Speaker 1: Don't want to be an American idiot.
Speaker 2: In one of the final after President Joe Biden way
Speaker 2: student loans about one hundred and fifty thousand people, you know,
Speaker 2: just kind of a little tip of the hat is
Speaker 2: he headed out of office about a year ago on
Speaker 2: that though, It's not like, you know, the Trump administration
Speaker 2: has righted a lot of those wrongs, which is simply
Speaker 2: have forgotten about this meant, the total US debt is
Speaker 2: almost two trillion dollars in student loans, the average borrow
Speaker 2: ohs over thirty nine thousand dollars per person, and so
Speaker 2: many more have defaulted on those loans as well.
Speaker 3: Delinquency rates are high, the repayment timelines are question well
Speaker 3: at this point, where do things stay in relative this
Speaker 3: and how do we solve this? Allen Clinch is the
Speaker 3: founder of Studentloan Justice dot org.
Speaker 4: Ellen.
Speaker 3: Welcome back, Ay.
Speaker 5: Ben, Good morning, Scott.
Speaker 3: We saw default rates spike after COVID and then once
Speaker 3: we return to payment or try to anyway, where are
Speaker 3: we headed to now relative to the default cliff?
Speaker 5: Yeah, that's right, Yeah, we are headed for a mass default.
Speaker 5: People are just done. People. You know, so many people
Speaker 5: have been paying for years and years and years under
Speaker 5: any one of the alphabet soup of already existing income
Speaker 5: driven repayment plans. There's been four since nineteen ninety five,
Speaker 5: and the disqualification rate for these IDR programs is upwards
Speaker 5: of ninety percent. And so.
Speaker 3: It is a huge crisis. Yeah, there's no I mean,
Speaker 3: if you don't have the money, you don't have the money.
Speaker 3: I get that. And it's it's easy to wag your
Speaker 3: finger at young people and say it's your fault. But
Speaker 3: and I get that too, But I'll be honest with you,
Speaker 3: the plans that I've seen from both Trump and Biden
Speaker 3: don't really address the issue. I mean, for giving a
Speaker 3: loan during COVID, I guess we can suspend that. That's
Speaker 3: all fine, But there's no accountability here for universities. That's
Speaker 3: why I don't like the entire ballout system. The way
Speaker 3: it's been proposed and structured is so what happens is, fine,
Speaker 3: we're gonna we're gonna wind up wiping all this debt out,
Speaker 3: all right, Well, what then happens, Well, universities will raise
Speaker 3: their prices even more because students will have that extra
Speaker 3: money to pay students who took on huge levels of
Speaker 3: debt will be able to you know, turn that towards
Speaker 3: the government, meaning me and you to pay that pick
Speaker 3: up the tab and politicians score points with young voters
Speaker 3: who seldom turn out in order to get elected or reelected.
Speaker 3: So it serves all those interests, but it doesn't solve
Speaker 3: the problem.
Speaker 4: Right.
Speaker 3: The problem is you keep subsidizing college, you get more
Speaker 3: and more and more expensive. That's really the problem here,
Speaker 3: and it's not addressed in any of these plans.
Speaker 5: I actually almost completely agree with you. I mean, the
Speaker 5: lending system is a large catastrophic failure at this point,
Speaker 5: but the loans will not be paid. So ultimately the loans,
Speaker 5: at this late day, they will be canceled. But you
Speaker 5: raise excellent points. You know, canceling student loans solves nothing
Speaker 5: the price for all.
Speaker 6: The reasons that you mentioned, and you.
Speaker 5: Know, the core of this problem, Scott, why is in
Speaker 5: the fact that, unlike every loan in this country, student
Speaker 5: loans have been uniquely stripped of the most fundamental consumer
Speaker 5: protections you can imagine, mainly bankruptcy rights. So the family
Speaker 5: Father has called for bankruptcy rights, uniform bankruptcy rights in
Speaker 5: the constitution ahead of the power to you know, raise
Speaker 5: an army and declare war. And this has been stripped
Speaker 5: uniquely from student loans. And this really is the lynchpin
Speaker 5: that is enabled this runaway spending, run well, runaway charging
Speaker 5: tuition prices and so court by the colleges, no accountability.
Speaker 5: And you know, counseling loans is all good and well,
Speaker 5: but if you don't change the underlying system, then we're
Speaker 5: going to be right back where we are now in
Speaker 5: a few years.
Speaker 3: The system, the system from top to bottom has messed up.
Speaker 3: I mean, if you go back to the nineteen sixties, seventies,
Speaker 3: I think it was eighteen percent of family income is
Speaker 3: what tuition was, which is manageable sixty five. That's when
Speaker 3: the government says, hey, you know what, we're going to
Speaker 3: guarantee student loans now. And then Sally May gets involved.
Speaker 3: And by seventy eight, as all these government programs, more
Speaker 3: government gets involved, the more they screw things up. Tuition
Speaker 3: and fees crept up to what almost fifty percent of
Speaker 3: a family income today. It's a totally government controlled problem.
Speaker 3: Because they stepped in guaranteed, subsidized for gave loans. They
Speaker 3: have the power of the pen, and all it does
Speaker 3: is encourage universities and colleges to hike their prices up
Speaker 3: because they're getting free money. It's a simple solution if
Speaker 3: you've got government out of this, because I'm guessing back
Speaker 3: in the sixties and seventies, you take out a private
Speaker 3: loan like you would for anything else, or you simply
Speaker 3: the cost to be affordable for a family to pay
Speaker 3: out of pocket. That's not true.
Speaker 5: Anymore, No, that's exactly right. And you know, in some states,
Speaker 5: particularly a lot of the Southern states, average student loan
Speaker 5: that in those states exceeds the yearly earnings of the
Speaker 5: average earners there in those states. But you know, Ohio
Speaker 5: is actually terrible as well, seventy five billion dollars in
Speaker 5: mostly federal student loan debt across the country. And it's
Speaker 5: this sort of rampant inflation that just can't be allowed
Speaker 5: to continue. Now, we as a group student on Justice
Speaker 5: dot Org, we've been pushing probably eighty percent of our
Speaker 5: our efforts have been towards getting the right of bankruptcy
Speaker 5: returned to these loans, not so that everybody can run
Speaker 5: out and file. That won't happen. Nobody wants to foilve
Speaker 5: for bankruptcy but rather because bankruptcy serves to constrain the
Speaker 5: lending side, it makes it ensures good faith in the
Speaker 5: lending relationship. But more, maybe more importantly, it guarantees rational
Speaker 5: sort of market based prices. You know, it prevents the
Speaker 5: price of the commodity being purchased from getting out of control.
Speaker 5: And so if there is even to be a federal
Speaker 5: student owned program, I'm going forward, and I'm not sure
Speaker 5: the government really is I should be in.
Speaker 6: The lending business at this point.
Speaker 3: Not very good consider consider our federal debt right now.
Speaker 7: Yeah.
Speaker 8: Yeah, but if they are, at a minimum, whatever loans
Speaker 8: that they want to use to fund higher education in
Speaker 8: this country, they've got to have all the consumer protections,
Speaker 8: most notably bankruptcy rights that every.
Speaker 5: Other loan for every other borrower has. We think that's
Speaker 5: really the core of the problem. And you know, if
Speaker 5: they had returned bankruptcy to student loans back when we
Speaker 5: started our group eighteen long years ago, there would be.
Speaker 6: No student loan crisis today.
Speaker 5: The Department of Education in Congress would be very much
Speaker 5: more judicious in how much they lend out and maybe
Speaker 5: even for what sort of programs.
Speaker 3: Well, I think that's interesting. You bring that by the ways,
Speaker 3: Allen Collin, jac president of Student Loan Justice at organ
Speaker 3: normally we probably we actually are agreeing on a lot
Speaker 3: of stuff here because I hear a student loan justice
Speaker 3: and think, well, you know, we're just gonna get free
Speaker 3: money away, make college free. That's not really what you're saying.
Speaker 3: And I agree on some points there's no way these
Speaker 3: young people are generally young people going to be able
Speaker 3: to pay these loans back. We're seeing a seventy five
Speaker 3: percent default rate that is just catastrophic. But I guess
Speaker 3: when I think about bankruptcy, which you're right, it does
Speaker 3: keep the lenders in check, going okay, is this a
Speaker 3: good risk? But here's what's going to happen, right, And
Speaker 3: it's two sides of the same coin. There's gonna be
Speaker 3: arguments and going, well, now you're stifling you know, higher
Speaker 3: institutions of higher learning and what people are going to
Speaker 3: study and career paths and things like that, which I
Speaker 3: say good because you know, if the argument is that
Speaker 3: if we forgive all this money or make college free,
Speaker 3: it results in a better educated population, it's got to
Speaker 3: be worth the cost. But it's not because what happens
Speaker 3: is you get a whole bunch of students majoring and
Speaker 3: I'm sorry bs that the market doesn't value and other
Speaker 3: people simply just you know, showing up going out. I
Speaker 3: guess I'll go to school because someone else is paying
Speaker 3: for it, So if it's for free, it's for me.
Speaker 3: And then it doesn't even discount all the ones that
Speaker 3: go to college who fail and still have to pay
Speaker 3: the loans and drop out for whatever reason. Graduates need
Speaker 3: marketable skills going and we know this right now, and
Speaker 3: so I think the bankruptcy thing, in a way would
Speaker 3: eliminate all these fluffy programs and education in the Ivory Tower.
Speaker 3: Allen would have finally have to come around and go, hey,
Speaker 3: guess what, we're in a market too. Here, We're not
Speaker 3: in a bubble. This is a market economy. Teach the
Speaker 3: jobs and teach the skills that people need to make
Speaker 3: money to service their loans, and the rest will take
Speaker 3: care of itself.
Speaker 5: Yeah, that's right. You know, there's a very good reason
Speaker 5: the founders called for bankruptcy ahead of the power to
Speaker 5: raise an army and declare war in the Constitution. And
Speaker 5: I think this student loan behemoth is precisely the sort
Speaker 5: of thing that they wanted to avoid. Yeah, and you know,
Speaker 5: we're all.
Speaker 6: For having educated citizenry. And you know, maybe there's a value.
Speaker 5: To a philosophy degree or something that maybe may not
Speaker 5: be necessarily marketable, but it's got to be done in
Speaker 5: the context of fiscality.
Speaker 3: And well, as I've been saying, don't confuse a hobby
Speaker 3: with a career. So if you want to study philosophy,
Speaker 3: you can do that in your own time. You don't
Speaker 3: need to go to school for it.
Speaker 5: Yeah, you know, it's hard to say what all what
Speaker 5: all reform might happen when you know, at least the
Speaker 5: accountability that comes with having to contend with bankruptcy laws
Speaker 5: will compel, but certainly lower prices, smarter degrees. And I
Speaker 5: might also add, you know, the colleges are now it's
Speaker 5: taking an average of six.
Speaker 6: Point two years to get a four year degree, and so.
Speaker 5: The colleges have really got to be arranged in And
Speaker 5: you know, we're looking at people like Jim Jordan. Quite frankly,
Speaker 5: he becomes very important in this whole discussion. He runs
Speaker 5: the Judiciary Committee where our bankruptcy legislation is likely to
Speaker 5: come from, if it comes from anywhere in the House,
Speaker 5: of represent is and so we're hoping very much that
Speaker 5: Jim Jordan will look to people like, look to other
Speaker 5: Republicans actually.
Speaker 6: Like why not just called for the return.
Speaker 5: Of bankruptcy rights to student loans with a caveat that
Speaker 5: the colleges should be held at least somewhat financially accountable
Speaker 5: absolutely for bankruptcy discharges. And we think that's exactly the
Speaker 5: way go. It's a lot like Dick Durbins bill from
Speaker 5: last year as twenty five ninety eight. We think Jim
Speaker 5: Jordan could get that sucker passed to the House in
Speaker 5: no time on a bipartisan basis, and that would that
Speaker 5: would really be the first thing that needed to happen
Speaker 5: if we want to see sanity, sanity.
Speaker 6: And you know, fiscal prudence returned to.
Speaker 3: Is I guess because the federal since we federalized student
Speaker 3: loans back in the seventies. Though, and okay, I can
Speaker 3: file bankruptcy now, but based on the way our government
Speaker 3: spends and how much debt we're in right now, Allen,
Speaker 3: do they even care? Would they just go, okay, well,
Speaker 3: we're not going to really change, you know, this is
Speaker 3: not going to make coll just tighten their belt I
Speaker 3: mean the private market. Yeah, but we're talking about federally
Speaker 3: subsidized student loans here. Do they even care?
Speaker 5: Well, you know, they don't.
Speaker 8: They don't.
Speaker 5: The government does not act, you know, like a business
Speaker 5: for example. That's true, but the Department of Education they
Speaker 5: guard their nest egg, They guard their agency funding very carefully.
Speaker 5: They run the Department of Education as if it were
Speaker 5: a business. So you know, one would hope that they
Speaker 5: would care, but that sort of remains to be seen.
Speaker 3: Well, here's here's what happens is you yeah, here's a
Speaker 3: interrupt a second. Here's what happens as you know though, right,
Speaker 3: so we'll get this will go through rest like, Hey,
Speaker 3: it makes sense. They're tight to their belts. We're not
Speaker 3: going to hand out money for programs that you're not
Speaker 3: gonna make a lot of money at, and it's gonna
Speaker 3: bring the cut. And then you're gonna hear the cries
Speaker 3: from people who are lobbying their lawmakers and saying it's unfair,
Speaker 3: it's racist, it's sexist, it's this, it's that, And then lawmakers,
Speaker 3: of course will kowtow to that contingent and you know,
Speaker 3: break it and it'll probably worse than it was before
Speaker 3: they did bankruptcy.
Speaker 6: Well, yeah, that remains a be seen.
Speaker 3: That's the problem with it.
Speaker 5: But generally you can pick a random college funding scheme
Speaker 5: out of a hat at this.
Speaker 6: Point and I can almost guarantee.
Speaker 5: You that whatever they get will be far better than
Speaker 5: what we have today. So you know, it's it's always
Speaker 5: a balancing act with condres. Different spirit interests will have
Speaker 5: their say, But at the end of the day, you know,
Speaker 5: we can't be financially ruining eighty five percent of the
Speaker 5: people who take out student loans and leaving them with
Speaker 5: you know, predatory, untaable debt for the rest of their lives.
Speaker 5: I mean that does not serve the country.
Speaker 3: Yeah, I mean I look at it and go, well, okay,
Speaker 3: mom and dad. In the equation, they should kind of
Speaker 3: know better about how much money they're borrowing because you're
Speaker 3: old enough to know how that works. But if you're young,
Speaker 3: and you're you know, sixteen, seventeen years old, and you're
Speaker 3: applying for colleges and it's all all well and good,
Speaker 3: you don't have an idea what that's like, what servicing
Speaker 3: a loan is. And I think they keep kids financially
Speaker 3: ignorant from the beginning for a reason, because at the
Speaker 3: end of the day, it's mana from heaven for the
Speaker 3: federal government. They're just going to keep getting their money.
Speaker 3: How when you can go after mom and dad social
Speaker 3: Security because the kid doesn't have a job that's going
Speaker 3: to pay anything and can't serve us a loan. I
Speaker 3: think that's just speaks volumes about where we are right now.
Speaker 3: And the sickening part is, I honestly, I mean outside
Speaker 3: of Jim Jordan, as you said, both sides to be
Speaker 3: complicit in just basically doing the dirty work for colleges
Speaker 3: and universities. It's insane that someone has not called us
Speaker 3: out sooner, rather than just going, yeah, we're gonna just
Speaker 3: give you free money, and uh, well what about next
Speaker 3: year's class? They're gonna want. And once it starts, of course,
Speaker 3: once you say we're gonna give forgive loan debt each
Speaker 3: twenty three, twenty four, twenty five, twenty six, twenty twenty seven,
Speaker 3: every class is gonna want basically a bailout. And if
Speaker 3: the idea is we forgive loans to stimulate the economy, well,
Speaker 3: I don't know about you. I got a mortgage that'd
Speaker 3: be great. Imagine how much money I'd spend on liquor
Speaker 3: and hot tubs and strippers and coke.
Speaker 5: Well, I would.
Speaker 6: Actually disagree with you on not so.
Speaker 5: Much what you just said, but sort of the underlying
Speaker 5: premise here and that and the important point here that
Speaker 5: I haven't brought up yet is the federal government, believe
Speaker 5: it or not, the Department of Education, they have been
Speaker 5: making a king's ransome in profit on this federal student
Speaker 5: loans program, certainly since Obama federalized in twenty ten. You know,
Speaker 5: in nineteen sixty five the President LBJ declared that these
Speaker 5: student loans would be free of interest. Well today over
Speaker 5: one hundred billion dollars a year in interest, really, and
Speaker 5: it accrues to the books of the Department of Education.
Speaker 5: And so the Department of Education is this is really
Speaker 5: a cash cow for the people in Washington. People don't
Speaker 5: quite understand how incredibly profitable this thing has been for
Speaker 5: the taxpayer.
Speaker 3: And out of that, I mean, think of it. There's
Speaker 3: no you know, you can't discharge it, you don't put
Speaker 3: a collateral up. They can garnish your wages, they can
Speaker 3: go after your mom and dad social Security, they can
Speaker 3: do all these horrific things that that you know in
Speaker 3: the private sector, you can't do it all al and
Speaker 3: all the best. Thanks again.
Speaker 5: Well, it's been about.
Speaker 3: I think almost exactly a year since Biden and is
Speaker 3: one of the last gasps of his presidency wave the
Speaker 3: magic wind would come to student loans. I haven't heard
Speaker 3: a lot in last year with Trump on that one guard.
Speaker 3: But the problem is still there, still exists, can be fixed,
Speaker 3: but they refuse to address the issue. And it's a problem.
Speaker 3: It's a big press as what college looks like is
Speaker 3: being changed by AI for example. We'll get a news
Speaker 3: update in and more ahead. It's a Scott Sloman Show
Speaker 3: on seven hundred WLW My Scott on seven hundred w
Speaker 3: WELW short week, Ready for Christmas, winding it down, Ready
Speaker 3: to eat some good food and a lot of that.
Speaker 3: By good food, I mean food that's not good for you.
Speaker 3: A lot of sugar this time here, a lot of candy,
Speaker 3: a lot of pie, a lot of cake, all that stuff, cookies,
Speaker 3: you name it. I am down for it. Over a
Speaker 3: word of the wise here. Nicole Avina joins the show again.
Speaker 3: She wrote writes a book called Sugarless about the I
Speaker 3: don't know if it's the dangers of sugar, but we
Speaker 3: didn't like some sugar from time to time. Nicole, welcome, good.
Speaker 9: Morning, good morning.
Speaker 4: Good when's the.
Speaker 3: Last time you had sugar?
Speaker 9: Well, you know, I have I have to say I
Speaker 9: can have it in moderation. I have it, you know now,
Speaker 9: and then I have it under control. But I have
Speaker 9: very little compared to most Americans.
Speaker 3: I would say, yeah, I'm more of a savory person.
Speaker 3: I like the savory stuff I'll have, don't get me wrong,
Speaker 3: A good dessert or something like that, or a piece
Speaker 3: of candy. But I'm not I'm not a sugar feen.
Speaker 1: Now.
Speaker 3: I have a friend of mine about the same age,
Speaker 3: and he has the diet of an eight year old.
Speaker 3: He'll drink like three of those blue slushies a day,
Speaker 3: and yeah, he's a mess.
Speaker 7: Yeah.
Speaker 9: I think there's a lot of people that sort of
Speaker 9: fall into one of either camp right where it's you
Speaker 9: have that sweet tooth and you crave it all the time,
Speaker 9: or you're more of like a savory chips and cheese
Speaker 9: type person.
Speaker 3: He has the you know, if you go to a
Speaker 3: hotel and they have these real dispenser it's got three
Speaker 3: things and you turn the crank and at ceral comes out,
Speaker 3: he's got one of those in front of his TV.
Speaker 8: Oh.
Speaker 9: I think that's definitely the sign of a sugar addict
Speaker 9: in one of those devices.
Speaker 1: Yeah.
Speaker 3: I was like, okay, skittles all over the place, Like
Speaker 3: it's like Willy Wonka in his basement. It's it's something else.
Speaker 3: Some guys have bars. He has unlimited sugar, all right,
Speaker 3: And it's why is sugar so easy to I guess
Speaker 3: to abuse. I don't want to see abuse. It's not
Speaker 3: a fair term because everything in moderation, as you said,
Speaker 3: is fine. I'm glad you're not like, oh you can't
Speaker 3: had sugar at all ever. I mean, sugar is it's good,
Speaker 3: you just can't make it a steady part of your diet.
Speaker 7: Yeah.
Speaker 9: But I think that's really the issue that a lot
Speaker 9: of people are struggling with because although we want to
Speaker 9: do it in moderation, most of us have a really
Speaker 9: hard time doing that because it's so pervated. If you
Speaker 9: think about it, you know, everywhere you go in the
Speaker 9: grocery store, if you go to restaurants, most of the
Speaker 9: dishes that we order when we eat out have sugar
Speaker 9: added to them. And so even if you're trying to
Speaker 9: cut back, and or even if you don't really have
Speaker 9: a big eat tooth and you think you're not eating
Speaker 9: a lot of sugar, odds are that you probably are
Speaker 9: eating more than what is recommended.
Speaker 7: By the guideline.
Speaker 3: What are the guidelines? I have no idea.
Speaker 9: Well, you know, it's funny because for the longest time,
Speaker 9: we did not have government guidelines about sugar. We had
Speaker 9: guidelines about everything else in terms of vitamins and you know,
Speaker 9: how many calories you should eat to have a healthy diet,
Speaker 9: but we didn't have it for sugar. Now we do,
Speaker 9: and it's recommended that you have no more than six
Speaker 9: to eight teaspoons of sugar a day, which sounds great,
Speaker 9: but the problem is the average American has twenty two
Speaker 9: teaspoons or sugar a day. So yeah, we're all eating
Speaker 9: weight too much of it. And you know, it's not
Speaker 9: just about obesity or being overweat. There's so much research
Speaker 9: out that's come out. I talk about it in my
Speaker 9: new book, Sugar Lists, about how sugar can impact your
Speaker 9: physical health. It can also impact your mental health too,
Speaker 9: So it's a really good idea to cut back. Even
Speaker 9: if you're not struggling with your body weat and.
Speaker 3: I think it's important too. You go, well, wait a minute,
Speaker 3: I don't eat a lot of sugary food. How can
Speaker 3: I have twenty two teaspoons or tablespoons of a sugar
Speaker 3: a day. Well, it's hidden. And so the formula for
Speaker 3: really really good food. If you want to make food
Speaker 3: taste well, you've got to have savory, you got to
Speaker 3: have sweet, you got to have you got to have
Speaker 3: a fat, you got to have those things in it,
Speaker 3: and tart. Every good dish like wh it's a secret. Agree,
Speaker 3: there's probably most people don't use enough acid in their cooking,
Speaker 3: like lemon or something like that. But the big one
Speaker 3: is sugar. And if you get that balance right between sweet,
Speaker 3: fat and salty, you're gonna This is why you can
Speaker 3: sit down and get a whole sleeve of oreos and
Speaker 3: not be satisfied for that reason. But sugar is a
Speaker 3: big and it'shidden in you know, pasta sauces and everything
Speaker 3: is sugar in it.
Speaker 9: It does and I think that's really, you know, the
Speaker 9: tricky part. So it's really important to take a look
Speaker 9: at the nutrition fact labels on the foods that you're purchasing,
Speaker 9: and really, you know, look at the ingredients, you'd be surprised.
Speaker 9: So many things that you wouldn't expect to see sugar
Speaker 9: in you'll find that, you know, sugar's listed as one
Speaker 9: of those ingredients. And again, you know, even if you're
Speaker 9: thinking that maybe you are consuming too much of it,
Speaker 9: it's not about you know, completely cutting it out of
Speaker 9: your life. And I really make a point of this
Speaker 9: in my new book, because that's just not sustainable, and
Speaker 9: you know that's going to set people up for failure.
Speaker 9: It's really more about reducing it and doing more to
Speaker 9: try to replace it with healthier alternatives so you could
Speaker 9: still enjoy the foods and have them, but just without
Speaker 9: all that added sugar.
Speaker 3: Yeah, big holidays roll along or occasions whatever, and you
Speaker 3: have some sugar, or somebody brings some cookies and you know,
Speaker 3: I'll have one. You have a couple, and you know,
Speaker 3: you feel great, and then all of a sudden, like
Speaker 3: minutes left for me, minutes later, maybe like an hour later.
Speaker 3: I want to kill myself. What is that?
Speaker 9: Well, you know what the problem with sugar is is
Speaker 9: that it affects our brain in so many strange ways.
Speaker 9: It can affect the brain in a way that leads
Speaker 9: us to be addicted. It can release dopamat and these
Speaker 9: other neuro transmitters, and that's what leads people to crave
Speaker 9: it and want more and more of it. But it
Speaker 9: also does so many things to mess with our mind.
Speaker 9: It causes us to feel guilty after we eat it.
Speaker 9: It causes us to have these, you know, rapid spikes
Speaker 9: in our blood sugar levels that then lead us to
Speaker 9: then have these crash is in our blood sugar levels
Speaker 9: that can impact our mood. So when people start to
Speaker 9: reduce the sugar in their diet, they really start to
Speaker 9: get in touch with those feelings and see that, Wow,
Speaker 9: you know, this stuff is really making me feel strange
Speaker 9: and act funny when I eat a lot of it.
Speaker 9: So if you stay away from it, then you really
Speaker 9: can get a better control on what it's doing to
Speaker 9: your brain and your body.
Speaker 3: Yeah, what does it do to your Is it more
Speaker 3: of a physical thing or a mental thing or is
Speaker 3: it both?
Speaker 9: Well, it's both. I mean, you know, when you consume sugar,
Speaker 9: it's affecting your blood sugar levels, which then in turn
Speaker 9: affects your neurotransmitter levels, and so it's affecting your brain.
Speaker 9: And I think you know, we have this physical change
Speaker 9: that occurs in response to that, right we react to it.
Speaker 9: Our brain tells us, you know, how to react and
Speaker 9: how to feel. But there is also this psychological piece
Speaker 9: of it too, and I think that goes along with
Speaker 9: the fact that you know, it is so pervasive in
Speaker 9: our society and it's sort of this forbidden thing in
Speaker 9: many ways.
Speaker 4: You know, we know.
Speaker 9: Sugar's bad for us, you know, we shouldn't have too
Speaker 9: much of it, and then when we do indulge, we
Speaker 9: get that psychologic guilt. And I think this is what
Speaker 9: happens with a lot of people who were dieting right
Speaker 9: around this time of year. Everybody's you know, trying to
Speaker 9: clean up their diet and maybe lose a couple pounds,
Speaker 9: like you said in the beginning, Yeah, and you know
Speaker 9: you get that guilt if you gave in and you know,
Speaker 9: ate that giant slap cake, then you feel bad about it.
Speaker 9: You feel like you let yourself down. So that's important
Speaker 9: to avoid and I talk about that in my new
Speaker 9: book Sugarless, about how you know, you want to change
Speaker 9: your relationship with food. You don't want to, you know,
Speaker 9: have this unhealthy relationship with the things that we're eating.
Speaker 9: It's got to be a healthy dynamic, all.
Speaker 3: Right, Nicole Vina is here. Sugar List is the book,
Speaker 3: and it's the big problem for people, and that is
Speaker 3: kicking the sugar hat. But if you want to lose weight,
Speaker 3: sugar is definitely going to add some hidden calories and
Speaker 3: it does a lot. One of the issues that came
Speaker 3: up and this is totally wow, it's kind of related.
Speaker 3: Now I won't know how to get in this is
Speaker 3: we just legalized not long ago for recreational use. Ohio
Speaker 3: did recreational marijuana, and the opponents of it to always
Speaker 3: talk about how it's a gateway drug. You smoke some weed,
Speaker 3: it's gonna next thing you'd be shooting heroin. You get blasts,
Speaker 3: you get a cocaine nipple, bumps, everything right, And I
Speaker 3: never I think that's a bunch of bunk. And I
Speaker 3: basically my counter to this was, well, if that's the case,
Speaker 3: if that's the gateway, is the real gateway drug caffeine
Speaker 3: or in this case, sugar is sugar gateway drugged other things?
Speaker 9: Absolutely, I think sugar is a gate I think it's
Speaker 9: the original gateway drug.
Speaker 3: So right, Halloween comes along the holidays. Whatever you pack
Speaker 3: your kid full of candy Easter and they lose their
Speaker 3: mind and their mounds off the walls. They're like, wow,
Speaker 3: I feel great after each sugar. That's that's a drug.
Speaker 9: Yeah, And you know, we've actually conducted research studies in
Speaker 9: my laboratory looking at that, looking at the relationship between
Speaker 9: sugar and then behavior later on and proclivity to use
Speaker 9: drugs and alcohol. And for sure, if you have experience
Speaker 9: with sugar, you're more likely to use drugs for alcohol.
Speaker 9: So yeah, I think that's that's really the bigger problem.
Speaker 9: It's you know, it's not about recreational marijuana. I think
Speaker 9: it's about getting to the root of the problem, which
Speaker 9: is sugar. And it starts, you know, in kids when
Speaker 9: they're three, four or five years old.
Speaker 3: It's crazy you have a a few years later, you're
Speaker 3: doing lines off the near end of a hooker. It's
Speaker 3: it's it's a town, it's a slippery slope, nicole, it
Speaker 3: sure is.
Speaker 4: It really is, all.
Speaker 3: Right, So sugar, there's just sugar addiction and drug dependency.
Speaker 3: And there certainly is a link there too, because you
Speaker 3: get that. It's it's that feeling that you wind up getting,
Speaker 3: go wow, the sugar high. This is this is really cool,
Speaker 3: and then later on you're looking for that maybe in
Speaker 3: different ways. So it makes sense. But again, it's it's moderation,
Speaker 3: it's tolerance, it's a bunch of other things too. And
Speaker 3: we also have a culture in our society too, this
Speaker 3: diet culture. You know, there's a gym I drive by,
Speaker 3: uh near my house, it's the gym, and then right
Speaker 3: next door is like a cookie place, So it's you
Speaker 3: can't even get past the gym without being tempted by
Speaker 3: by cookies. And I think we have a thing where, hey,
Speaker 3: if I work out, I can treat myself to a
Speaker 3: cookie or sweets later in the day. And the problem
Speaker 3: is you just eat too many of them.
Speaker 9: Yeah, what is that? That's happening where I live in
Speaker 9: New Jersey too. I feel like that there must be
Speaker 9: something going on with like the planning boards of you
Speaker 9: have to put a cookie joint next to the gym,
Speaker 9: because I've seen neither myself. Yeah, I think you know,
Speaker 9: you're so right that it's sort of part of this
Speaker 9: culture of like rewarding ourselves. If we do something good
Speaker 9: like workout, right, then we're supposed to reward ourselves with
Speaker 9: a cookie. And I think that happens on multiple levels
Speaker 9: throughout the day for a lot of people when you
Speaker 9: know they do a good job at work, or let's
Speaker 9: go out and you know, celebrate by getting ice cream,
Speaker 9: if you've got a good grade on your test. You know,
Speaker 9: it just happens throughout the day in multiple ways where
Speaker 9: people reward themselves with food. And that's fine, But the
Speaker 9: problem is, you know, if you're rewarding every little thing
Speaker 9: that you do right with food, then that's where people
Speaker 9: start to get into problems with you know, health issues, diabetes.
Speaker 7: Being over weed.
Speaker 3: Yeah, yeah, and I in our household, we had to
Speaker 3: fight that. I mean, if me and my two brothers
Speaker 3: would have stayed at home and lived at home, God
Speaker 3: would probably be four thousand pounds by now. My mom
Speaker 3: and you know, hey, you're having a bad day, have
Speaker 3: a meatball. You're having a good day. Here, have two meatballs.
Speaker 3: Gonna be one of those one of those Italian mom situations.
Speaker 3: What about withdrawal, We mentioned the connection between sugar is
Speaker 3: a gateway drug and a full dependency on sugar later
Speaker 3: in life. And like anything that means there's withdrawal symptoms.
Speaker 3: We know what it is for other hard street drugs
Speaker 3: which are much more serious and sugar certainly, but are
Speaker 3: there withdraw symptoms and how do you combat that?
Speaker 7: Yeah?
Speaker 9: Absolutely, And so I think this is one of the
Speaker 9: main reasons why people end up going back on sugar
Speaker 9: is because of the withdrawal. We see this this time
Speaker 9: of year where people say, Okay, I'm going to cut
Speaker 9: back on sugar, and then all of a sudden, they
Speaker 9: get irritable, and they get lethargic and cranky and crabby,
Speaker 9: and you know, maybe they're tired a lot and a
Speaker 9: lot of times people will misattribute that and say, oh,
Speaker 9: it must be that I have low blood sugar, so
Speaker 9: I better eat more sugar so that I can make
Speaker 9: sure I don't pass out. Well, the reality is it's withdrawal.
Speaker 9: That's what sugar withdrawal looks like. It's you know, these
Speaker 9: feelings that are similar to what would happen if you
Speaker 9: try to quit smoking cigarettes. That's really been the one
Speaker 9: that seems to parallel at most. And again, you know,
Speaker 9: it's not going to kill you. You're not going to
Speaker 9: you know, die from the withdrawal, but it's uncomfortable, and
Speaker 9: you know, a lot of times it's enough for people
Speaker 9: to then say you know what, forget it. I'm just
Speaker 9: going to have some sugar so I feel better. But
Speaker 9: then that starts to pull vicious cycle all over again.
Speaker 9: Of you know, Okay, now I'm overeating sugar, and then
Speaker 9: I try to quick and I wink to withdrawal, and
Speaker 9: then I crave it, and so it's this non stop
Speaker 9: cycle that emerges.
Speaker 3: Where are you on artificial sweeteners, That's a good question.
Speaker 9: So I look at them as kind of like the
Speaker 9: methadone to heroin, right. I mean, they're better than sugar,
Speaker 9: but you don't want to stay on it for the
Speaker 9: rest of your life. And so what I usually recommend
Speaker 9: is that if you are really struggling to get the
Speaker 9: added sugar out of your diet, if you need to
Speaker 9: rely on some of these artificial sweeteners or these alternative
Speaker 9: sweeteners as a crutch to kind of bridge you away
Speaker 9: from it, then that's fine. But the ultimate goal should
Speaker 9: really be to reduce the dependence on the sweeteners in
Speaker 9: our diet. You know, we don't need to add sugar
Speaker 9: to everything we have. Coffee is a perfect example. And
Speaker 9: I've been talking about this a lot because I think
Speaker 9: about it more and more when I go to a
Speaker 9: coffee shop anymore, it's more like going into a sugar shop.
Speaker 9: I mean there's more sugar in the store that.
Speaker 7: There is coffee.
Speaker 9: So again, we have to, I think, really just focus
Speaker 9: on reducing the dependence on sweetness and think about, you know,
Speaker 9: why do we have to have sugar in all these
Speaker 9: different things that maybe doesn't really belong there in the
Speaker 9: first place.
Speaker 3: Yeah, I got a little cream in my coffee. That's
Speaker 3: about it, just to you know, get that little balance
Speaker 3: going on. But black is fine too.
Speaker 4: Yeah.
Speaker 3: You know, you go to a place and it's kind
Speaker 3: of frightening actually that some of these drinks. I don't
Speaker 3: want to vilify any coffee chain, Starbucks, but you go
Speaker 3: in there and one of their drinks is the same
Speaker 3: number of calories as a big Mac. That's a problem.
Speaker 9: Oh yeah, and they're desserts. I mean, I don't even
Speaker 9: know how they can be considered coffees anymore. I mean
Speaker 9: they're like literally desserts. I think I could probably find
Speaker 9: fewer calories at the ice cream store than I could
Speaker 9: from you know, many of these coffee chains. So you
Speaker 9: do need to be mindful of that. And the marketing
Speaker 9: is a big part of it. I mean they're marketed
Speaker 9: as being you know, coffee drinks and you're getting your
Speaker 9: energy and getting it through that three pm slump, But
Speaker 9: the reality is, you know you're going to hit a
Speaker 9: huge crash when that sugar wears off, and it's going
Speaker 9: to be compounded by you know the fact that your
Speaker 9: craffein's wearing off as well.
Speaker 3: Right, get caffeine and the sugar at the same time.
Speaker 3: You put two or three of those down to some
Speaker 3: people do a day, and you're talking a full day
Speaker 3: amount of calories just in your liquids on top of
Speaker 3: everything else. And you wonder why, you know, we're a
Speaker 3: little heavy. So uh, people concerned about maybe dropping a
Speaker 3: few LB's and getting right as we as. We have
Speaker 3: those cycles every year and this would be one of
Speaker 3: those cycles. A good idea would be looking at how
Speaker 3: much sugar you're getting in your diet. Sugarless is the
Speaker 3: name of the book. It's Nicole A.
Speaker 4: Vine.
Speaker 3: I know you have some strategies in there too for
Speaker 3: trying to wing yourself off the sugar.
Speaker 9: Right, Yeah, absolutely, I have a whole seven step plan
Speaker 9: that talks about how you can figure out where the
Speaker 9: sugar is in your diet. Because a lot of people
Speaker 9: just don't know right, kind of hidden in many places.
Speaker 9: And then also dealing with you know, the cravings. That's
Speaker 9: really a big thing. And I think that's a hard
Speaker 9: problem for a lot of people because you know, everywhere
Speaker 9: we got ads for it all the time. You're you know,
Speaker 9: being offered it basically everywhere you go. And so how
Speaker 9: do you cope with that? And you know, really just
Speaker 9: reevaluating your relationship with food and really just basically retooling
Speaker 9: yourself so that you can eat things alike, but just
Speaker 9: not have them have so much control over you.
Speaker 3: Yeah, And I think it's the thing. We all have
Speaker 3: our food triggers. I guess I'm a savory person, lesson
Speaker 3: more than a sweet one. You know, put up pizza
Speaker 3: in front of me, I'll kill it. But yeah, you know,
Speaker 3: an entire cake or I may have a cupcake, but
Speaker 3: I'm going to eat twelve of them. But everyone has
Speaker 3: their own triggers. But if here's a sugar Sugar list
Speaker 3: is the name of the book, and it's Nicole Avina.
Speaker 3: She's a PhD but also a world renowned neuroscientist. So
Speaker 3: great having on the show this morning. Thanks for the.
Speaker 6: Info, all right, Thank you.
Speaker 3: Yeah, you lean into it, and then after the holidays
Speaker 3: hopefully you're back off unless you've got that elf diet
Speaker 3: or everything you eat is sugar. I know people like that.
Speaker 3: So there you go. All right, we're winding it down
Speaker 3: for twenty twenty five and we'll get news here in
Speaker 3: just a few minutes. Traffick other all that just ahead.
Speaker 3: Scott's Loan Show seven HLW.
Speaker 1: Do you want to be an americanity?
Speaker 4: Here we go.
Speaker 3: It's a Scott's Loan Show Monday more seven hundred ww.
Speaker 3: Here we go from the Big Bengals win yesterday, enjoying life.
Speaker 3: What is not to love about this time of the year.
Speaker 3: I got something for you because it's all not you know,
Speaker 3: happy holidays, even though that's most of the show today.
Speaker 3: I don't know if you caught this, but seven on Friday,
Speaker 3: Ohio Governor Mike DeWine shockingly line item vetoed a provision
Speaker 3: of the state CB law which will now effectively ban
Speaker 3: the sale of something a lot of o'hon wands enjoy
Speaker 3: and that would be the hemp derived THC beverages that
Speaker 3: you can get in bars and restaurants and other similar
Speaker 3: products from General e taylers in the state, not necessarily
Speaker 3: carry outs and Lifebo're talking about bars, and we're talking
Speaker 3: about bars that have spent a fortune to try and
Speaker 3: stay alive because the craft industry is fading, anda and
Speaker 3: fused beverages of the future, and they've been embraced by
Speaker 3: millions of Ohios. And with one stroke with pen, the
Speaker 3: governor overrode that and the band means these beverages that
Speaker 3: millions and enjoy can no longer be sold in locations
Speaker 3: like convenience stores, bars, breweries or general stores. And these
Speaker 3: restrictions will take effect in mid March. I cannot believe
Speaker 3: that it's come to this. Ohio State Senator Steve Hopman
Speaker 3: from Just the Tipsity joining the show this morning on
Speaker 3: seven hundred w W Steve, I wish I wish you
Speaker 3: a good morning. It doesn't feel like a good morning
Speaker 3: based on what feels like a good part of your
Speaker 3: life's work here. I mean, you've spent so much time
Speaker 3: on Senate Bill fifty six, being the author of it,
Speaker 3: and this is like the fifteenth time we've had this
Speaker 3: conversation about stuff getting changed.
Speaker 10: Well, you're right now, We're done with it. There's a
Speaker 10: couple of House members that have already introduced some other
Speaker 10: things that they'd like to see change. But overall it
Speaker 10: was a good bill. But unfortunately the governor saw differently
Speaker 10: on this one subject.
Speaker 3: Did he explain his reasoning why and please just don't
Speaker 3: tell me because it's about the children.
Speaker 10: Yes, So whenever he line item vetos, he has a
Speaker 10: you know, the reason for doing it, And basically he
Speaker 10: said that there would be confusion because you know in
Speaker 10: the bill, you know, we got rid of gummies, different
Speaker 10: things like that, especially for children. So we got rid
Speaker 10: of that, but then we carved out the beverages until
Speaker 10: November because we're following the federal law. And he said
Speaker 10: there would be too much confusion with the beverages being
Speaker 10: outlawed before the you know, after the other one. So
Speaker 10: we're just going to outlaw everything all at once in
Speaker 10: ninety days.
Speaker 3: Okay, Well, if it's the federal legislation is the root
Speaker 3: cause of these problems, and giving this Congress just banned
Speaker 3: certain THT products when you know they reopened the government,
Speaker 3: why did we need Why would the governor have to
Speaker 3: act more aggressively than federal rock requires rather than just
Speaker 3: simply mirroring federal standards.
Speaker 10: Well, I mean in the bill we did because we
Speaker 10: in Ohio wanted to get rid of the gummies and
Speaker 10: stuff that underage kids were getting. And we were doing
Speaker 10: that in ninety days. I'm not sure that there would
Speaker 10: be confusion among the consumers, at least for the you know,
Speaker 10: over the next year. It would give people to finish
Speaker 10: their you know, whatever allotment that they currently have. But
Speaker 10: also in the bill, it would allow them to continue
Speaker 10: to process. We were at five milligrams, so that was
Speaker 10: you know, your six percent, like a six percent beer,
Speaker 10: but would allow was going to allow Ryan Geist and
Speaker 10: fifty West to process at ten or twenty so that
Speaker 10: they could sell out a state, make money, keep people
Speaker 10: employed that has gone away in ninety days.
Speaker 5: Also, does the.
Speaker 3: Governor realize how many millions of Ohioans not only enjoy this,
Speaker 3: but how many thousands of people of employees? Does he
Speaker 3: understand the business dynamic here?
Speaker 10: I you know, that would have to be a question
Speaker 10: for him. My understanding in the state of Ohio this
Speaker 10: year it is a seventy five million dollar business, mostly
Speaker 10: in the craft industries. You know, recently Cores and Anheuser
Speaker 10: Busch is starting to get into the industry. But basically
Speaker 10: it's a something that you find in the craft.
Speaker 3: Yeah, and as I talked to purveyors of craft beer,
Speaker 3: the taste for craft beer has ebbed. I mean, we
Speaker 3: hit a peak. Everything has a business cyclist, you know,
Speaker 3: Steve Hoffman, and now we're starting to be like the
Speaker 3: post you know, select beer kind of thing. A lot
Speaker 3: of people still enjoy it. I don't think it's going
Speaker 3: to go away, but it's pretty clear that people are
Speaker 3: switching to other beverages. Seltzer's are big, and certainly THC
Speaker 3: beverages are big too. So my concern is you don't
Speaker 3: give people that option. Do they go back to drinking
Speaker 3: craft beer? Probably not, They'll find something else. I would
Speaker 3: imagine that these breweries aren't selling, doesn't that mean jobs
Speaker 3: and some of these breweries closing up?
Speaker 10: I would think so, you know, you know, the statistics
Speaker 10: I see is that people under thirty drink more of
Speaker 10: the THHC drinks than they do than they do beer.
Speaker 10: And you know, seventy five million dollar industry in the
Speaker 10: state of Ohio, that seems to be a good number
Speaker 10: of jobs that ultimately would be lost. And do they
Speaker 10: go to beer or something else or do they just
Speaker 10: they want the THCHC effect and do they just start
Speaker 10: smoking it?
Speaker 4: Yeah?
Speaker 3: Right, and kind of cut the middle man out entirely.
Speaker 3: And you know what, I cringe every time. And you know,
Speaker 3: Mike the Wine is a Republican, and I hear about
Speaker 3: how Republicans are pro business, pro small business, pro growth,
Speaker 3: proll is and they do things like this that completely
Speaker 3: lead me scratching my head. Is Mike the Wine turning
Speaker 3: his back on what used to be conservative values? There
Speaker 3: has always been this way?
Speaker 10: Well, I mean, I again, you need to talk to
Speaker 10: him about it, but I think he is more concerned
Speaker 10: about safety of people and health of people, and I
Speaker 10: believe that's in conflict of of what other people are
Speaker 10: thinking that these things do for him.
Speaker 3: Mike the Wine is a lawyer. He's not a physician. You,
Speaker 3: Steve Hoffman, are a physician. What's your physician's take on
Speaker 3: this stuff? Are people killing themselves when they sip THHD
Speaker 3: and fuse beverages?
Speaker 10: You know, I think, like any other intoxicating substances, it's
Speaker 10: within reason. So if you're within reason and you're not
Speaker 10: going out and driving after taking large quantities of them, No,
Speaker 10: I don't think we know the long term health effects
Speaker 10: of these things. But you know, the early science says,
Speaker 10: you know, it's not that bad. You know, maybe beer
Speaker 10: and whiskey in the long term might be even worse
Speaker 10: for you, but you know, no real big negative effects
Speaker 10: currently known.
Speaker 3: Yeah, that we currently know.
Speaker 7: Now.
Speaker 3: The future is always you know, always changes, science always improves,
Speaker 3: and we listen to that science. But at the same time,
Speaker 3: I have a definitive right by God to put whatever
Speaker 3: it is on why my body. Plenty of people abuse substances, food,
Speaker 3: whatever it might be. I mean, you name me something
Speaker 3: in the world and I'll find somebody who abuses it.
Speaker 3: And you see that all the time in your practice, Steve,
Speaker 3: and have to deal with those kinds of things for sure,
Speaker 3: And you see the effects of people not taking care
Speaker 3: of their bodies and neglecting their health and focusing on
Speaker 3: too many vices. And when we say that declined. But
Speaker 3: again we all know that today. We know that cigarettes
Speaker 3: are carcinogen, We know that smoking is not good for you.
Speaker 3: We know about popcorn lung now with vaping and things
Speaker 3: like that. But again, you could do things in moderation,
Speaker 3: and it's fine to me. It just seems to not
Speaker 3: only be left to the adults to make a decision.
Speaker 3: Not kids, of course, but adults. And we know what
Speaker 3: we put in our bodies. I mean, it's not I
Speaker 3: don't think an exaggeration and think, okay, should there be
Speaker 3: a I don't know the side. Remember when more liberal
Speaker 3: states we're talking about banning the size of sodas, we're
Speaker 3: going to talk about regulating the fast food industry and
Speaker 3: only being allowed to get McDonald's once a month as
Speaker 3: I mean, how far does the government go. I hear
Speaker 3: these things, and you know, damnit, I'm a grown person.
Speaker 3: I can make an informed decision is what I want
Speaker 3: to consume and put in my own body. It should
Speaker 3: not be up to the governor with the stroke of
Speaker 3: a pen to undermine that. Because I think, in your
Speaker 3: opinion on this, Steve, does this at some level go
Speaker 3: against the will of the voters. Let's not forget almost
Speaker 3: six and ten people supported recreational marijuana and Ohio we
Speaker 3: generated over seven hundred million in the first year. At
Speaker 3: what point does the legislative modification of a voter approved
Speaker 3: citizen and it should have crossed the line from reasonable
Speaker 3: regulation and define the clear will of what people want.
Speaker 10: Well, I don't disagree with that a lot of that.
Speaker 10: But the beverages had nothing to do with the ballot
Speaker 10: initiative because we're talking hemp and the ballot initiative was
Speaker 10: strictly concerning marijuana. Yeah so, but you should, within reason,
Speaker 10: have the uh the right to do, you know. In
Speaker 10: the same for however you feel about tradum. You know,
Speaker 10: his pharmacy board last week is going to outlaw that,
Speaker 10: and many people feel that is of benefit for their
Speaker 10: own health.
Speaker 3: Yeah, let's say. I mean, I don't go the weave
Speaker 3: on that, but I think it's an excellent point. Stamfuffman
Speaker 3: is is creative. A lot of people know what that is.
Speaker 3: I mean I I personally don't use it. I don't
Speaker 3: really know anyone that does. It's been around for what's
Speaker 3: the substance what's a concern with cretum?
Speaker 10: Creative is something kind of like a t from East
Speaker 10: Asia that that many that that people use and they
Speaker 10: feel that it helps with anxiety and sleep and a
Speaker 10: lot of things that that that the hamp people do.
Speaker 10: But in that end, there there's a substance. The intoxicating
Speaker 10: substance is known as seven oh H and it is
Speaker 10: at a very very low level, so it's really not
Speaker 10: thought to be intoxicating. But just like camp they manufacturers
Speaker 10: will concentrate seven O H and put a large amount
Speaker 10: in there and then makes it dangerous, makes it makes
Speaker 10: it intoxicating, and and so that's uh, you know, we're
Speaker 10: you know, the pharmacy board is gonna band all of it.
Speaker 3: So but at the same time, we live in a
Speaker 3: country where you could get you know, an intoxicating marshroom
Speaker 3: tea or so some of those lines where you know,
Speaker 3: a tribal ancestors been using that for for eons, right
Speaker 3: and seemingly I don't know if there's all effects to
Speaker 3: that or not, but for some people they feel that
Speaker 3: it's therapeutic.
Speaker 10: I agree. I just you know, it's a scheduled uh
Speaker 10: it's not scheduled one, but he wants to make the
Speaker 10: scheduled one drugs so we can get rid of it.
Speaker 10: But there's no real scientific research, you know, a high
Speaker 10: state and you see and other highly academic places aren't
Speaker 10: really doing the research or haven't done the research to
Speaker 10: tell us this is good for you, and this is
Speaker 10: what it's it's you know, this is why it's mad.
Speaker 3: The cat's catch twenty two. It's a schedule one, so
Speaker 3: they can't research it. And then they people who made
Speaker 3: us schedule one say well there's not research. Yeah, because
Speaker 3: you made a schedule one. We can't do research on
Speaker 3: something that's that's that controlled. It's simple.
Speaker 10: Yeah. You know, how how about the great news from
Speaker 10: Donald Trump last week on marijuana?
Speaker 3: Really good? This is an odd game, isn't it. I
Speaker 3: mean you mentioned, okay, yeah, the Sistanist initiative and sixty
Speaker 3: percent of people wanting recreacial THC marijuana. You got, Well,
Speaker 3: that doesn't this this THHC, the CBD, THHG derivative liquids
Speaker 3: and the alcohol well not alcohols but the beverages. It's
Speaker 3: not really what the vote. But I get that argument
Speaker 3: the same time, it's I think the spirit of it
Speaker 3: is going, hey, you know what if I can smoke THC?
Speaker 3: What is it that far reach to think that that
Speaker 3: would include CBD derived beverages like this? And now that
Speaker 3: Trump is doing what he's doing, I think that's even
Speaker 3: more against what what Mike Line thanks with this vetout.
Speaker 10: No, I don't, I don't disagree. You know, when when
Speaker 10: Trump said that you know, I'm going to speed up
Speaker 10: the process of making the marijuana THHC a Scheduled three
Speaker 10: drug and Schedule one. It will be great for the
Speaker 10: banking industry. We can't you know, can't bank. It's all
Speaker 10: cash business in the dispensaries and in everything.
Speaker 7: Uh.
Speaker 10: And it'll provide the ability to do scientific research. And
Speaker 10: I am I'm hoping that, uh, the academic institutes in
Speaker 10: the state of Ohio will jump on it and be
Speaker 10: able to go out and get federal funding to say
Speaker 10: marijuana is good for you or it's bad for you,
Speaker 10: and let's settle this for you know, what type and
Speaker 10: how and what conditions.
Speaker 3: Steve another, by the way, that's the Ohio State Senator
Speaker 3: Steve Huffman on the show on seven hundred w OLW.
Speaker 3: I'm sure you heard Mike the line shockingly line item
Speaker 3: vetoed a provision in our state CBD law. You know,
Speaker 3: the the CBD slash THHD infused beverages that a lot
Speaker 3: of people enjoy. That's spurned an entire industry that's rapidly
Speaker 3: growing as big as a craft bret beer industry. And
Speaker 3: it was I think in a few years of clips
Speaker 3: that because so many people want this stuff. Mke the
Speaker 3: wine ban that in Ohio. So all these companies that
Speaker 3: leaned in and invested the small brewers, the rhyin geis
Speaker 3: the fifty west of the world and others are no
Speaker 3: longer in ninety days going to be able to sell
Speaker 3: and produce that stuff. And so six thousand plus people
Speaker 3: and so six thousand small businesses alone, by the way, businesses,
Speaker 3: not people, but six thousand businesses are no longer going
Speaker 3: to be able to compete in the sphere, despite the
Speaker 3: massive demand by millions of adult Ohioans that want this stuff.
Speaker 3: The other element here too, we had talked about, I
Speaker 3: think last time around Steve about protections for housing, employment,
Speaker 3: organ donation, stuff like that. Is that been removed by
Speaker 3: the governors. That's still in there.
Speaker 10: It's still in there. Basically, those things are things that
Speaker 10: mere previous laws. I don't believe there was anything really
Speaker 10: new in there. I mean, if you're a smoker, you
Speaker 10: can be banned from an organ transplant because of scientific
Speaker 10: studies that show that you and so that's why it
Speaker 10: was the you know, the organ band is still has
Speaker 10: been included in there.
Speaker 3: Is there a connection medically, Steve, between the organ donation
Speaker 3: and marijuana. Why would you be excluded.
Speaker 10: From that, if I remember right, the law doesn't say
Speaker 10: that you are excluded. It says if there's a scientific basis,
Speaker 10: you can be excluded if if they feel hey, look
Speaker 10: if if if science shows that if you smoke marijuana
Speaker 10: and you get a liver transplant plant, your likelihood of
Speaker 10: rejection as higher. If the science is there, then we
Speaker 10: should should stick by it. But we shouldn't just totally
Speaker 10: get rid of that not based on science.
Speaker 3: Yeah, I mean, if it's science says that you have
Speaker 3: a higher rate of not not being able to get
Speaker 3: the organ, so it's kind of a waste of that
Speaker 3: pressure tree. So I kind of get that element. One
Speaker 3: of the thing I saw too was allowing police to
Speaker 3: establish probable cause during traffic stops because someone is a
Speaker 3: known user of marijuana. Is that still part of this.
Speaker 10: I can't remember, but again I think that was you know,
Speaker 10: restated from previously that you know, when we initially did
Speaker 10: the medical marijuana law back in twenty sixteen, most of
Speaker 10: the drug dogs in the state were became obsolete because
Speaker 10: when they smelled marijuana, they would have hit and they
Speaker 10: you couldn't tell if it was a legal substance or
Speaker 10: an illegal substance or where they derived it from. So
Speaker 10: that caused a lot of a lot of trouble. But
Speaker 10: you know they if they still have probable cause not
Speaker 10: because you're smoking, because they feel you're impaired, they would
Speaker 10: be able to do a field sobriety test.
Speaker 3: Yeah, a lot of contradictions here. It just leads one scratching.
Speaker 3: There is there any remedy here for manufacturers? And I'll
Speaker 3: try to get somebody on maybe from Ryan Guister fifty
Speaker 3: West to talk about this later on. Is this fight
Speaker 3: completely over to this? In the overturned.
Speaker 10: Well, in the original bill, the House and the Senate
Speaker 10: and had an agreement that we would, you know, the
Speaker 10: Feds are going to get rid of it in a
Speaker 10: year in November twenty six if they change things, that
Speaker 10: we would look at that and see because we didn't
Speaker 10: have time to put taxes on as regulations in the
Speaker 10: whole scheme of things, so we kept the plan was
Speaker 10: to keep it till November, so we can re look
Speaker 10: at it from that. But from that aspect and see
Speaker 10: if Governor DeWine has a different view of it, we
Speaker 10: could look at a veto override it would take two
Speaker 10: thirds of each each body so there are some things
Speaker 10: we could reintroduce this, you know, when there's a new governor.
Speaker 3: Well that won't be long, that won't be much either year,
Speaker 3: but still ramping down production, ramping it back up. I
Speaker 3: don't know what to tell the six thousand small businesses
Speaker 3: out that have invested in this stuff when it was
Speaker 3: illegal yesterday, now it's illegal today or ninety days. I
Speaker 3: should say, Steve, my head is scratching. You're you're scratching
Speaker 3: your head, I'm sure, but we'll leave it at that,
Speaker 3: and you have a merry Christmas. Thanks again for a
Speaker 3: joining the show and keep us updated and what the
Speaker 3: future holds for this.
Speaker 10: Yeah, Merry Christmas to you and your family and all
Speaker 10: your listeners.
Speaker 3: You take care of Scott. Thanks against Steve. That's Ohio
Speaker 3: State Senator Steve Hoffman from just the Tips city just
Speaker 3: north of Dayton and Mike to wine again allegedly pro business.
Speaker 3: I don't know how this is pro business, pro pro
Speaker 3: consumer because it goes against the face of the hottest
Speaker 3: growing beverage. I guess niche in the state right now,
Speaker 3: if not the country, for that manner, we don't want
Speaker 3: any part of it. Why it's about the children oh
Speaker 3: my god. Stop seven hundred w welw. Everyone needs help
Speaker 3: every now and then, and it's easier to help us
Speaker 3: get our heads right. This is Mental Health Monday with
Speaker 3: mental health expert Julie Hettershire. All right, it's hard to
Speaker 3: believe that twenty twenty five is coming to a close
Speaker 3: and the end of the year calendar. You know, we've
Speaker 3: got a lot crammed in there, lots go on, lots
Speaker 3: to do, a lot of things to wrap up at
Speaker 3: the end of the year.
Speaker 10: You know.
Speaker 3: One of the things we'll talk later is about credit
Speaker 3: reports and pulling those look at those, you know, financial
Speaker 3: advice Andy Schaeffer tomorrow. Beyond talking about that in one
Speaker 3: area though people often don't think about it, and that
Speaker 3: is what Julie's here to talk about this morning on
Speaker 3: seven hundred WW Julie hat to share our licensed mental
Speaker 3: health expert. It's Mental Health Monday on the Scotsland Show. Welcome.
Speaker 3: How are you hey?
Speaker 10: I great?
Speaker 11: Thanks?
Speaker 8: Helly?
Speaker 7: You good?
Speaker 3: Ready for the holidays? Ready for the what do you
Speaker 3: got gone for the holidays?
Speaker 12: We're having family over on Christmas and then a couple
Speaker 12: of days later we're taking off for a week going
Speaker 12: someplace warm and beachy.
Speaker 7: It's going to be lovely.
Speaker 3: Oh nice, good time to get away, all right. So
Speaker 3: this one weird trick for your mental health would be what.
Speaker 12: Well, this is something that I've been doing for a
Speaker 12: few years. I didn't invent it. Lots of people do it,
Speaker 12: and it's called sort of a year end life review.
Speaker 12: And you know, businesses do year end reviews. You if
Speaker 12: you're an employee of a business, you very often get
Speaker 12: a performance review annually. But we don't often take a
Speaker 12: look at our own lives in a holistic way and
Speaker 12: ask ourselves some questions and reflect on what went well
Speaker 12: and what didn't go as well over the course of
Speaker 12: the year so that we can set ourselves up for
Speaker 12: success going into the following year. And I think I've
Speaker 12: been doing this about four or five years now, and
Speaker 12: I love it. I love the whole process.
Speaker 11: So I thought we could talk about.
Speaker 12: It as a way to close out twenty five and
Speaker 12: set ourselves up for success.
Speaker 3: It's like a personal annual self review sort of thing.
Speaker 3: You got to tact grow. Most of us, though, tend
Speaker 3: to yeah, people like, hey, you know something bad, I
Speaker 3: don't want to talk about it, ignore it. But there
Speaker 3: are those of us that tend to just focus on
Speaker 3: the future because you know, I can't change what happened.
Speaker 3: I can learn from it and move forward. I don't
Speaker 3: really want to look back. Is that flawed thinking?
Speaker 12: Well, you can learn from it and move forward, but
Speaker 12: only if you take the time to reflect on not
Speaker 12: only what happened, but what it meant and why it happened,
Speaker 12: and how maybe to prevent what you didn't like, and
Speaker 12: to optimize for and maximize what you did like. So
Speaker 12: if business has just closed out their books at the
Speaker 12: end of the year and started fresh the following year
Speaker 12: without learning lessons positive or negative from what happened in
Speaker 12: the prior year, they wouldn't have the level of success
Speaker 12: that they do. If they do a comprehensive review, what
Speaker 12: were our hits, what were our this is what went well,
Speaker 12: what didn't and why, and move forward from that. So
Speaker 12: it's not really dwelling in the past. It's learning from
Speaker 12: your year to set yourself up for an even better
Speaker 12: year to come.
Speaker 3: All right, So seven point maintenance check. You're like your car,
Speaker 3: what do you got?
Speaker 11: Yeah?
Speaker 12: So the first one is and I don't didn't do
Speaker 12: this when this article that I we are going to
Speaker 12: list in the show notes is one that I really liked.
Speaker 12: And the first question that the guy asked is what
Speaker 12: did I change my mind about this year? What did
Speaker 12: I think I knew, or what did I think was true?
Speaker 12: Or what did I think was right.
Speaker 11: That I learned wasn't.
Speaker 12: Because one of the things that we know about mental
Speaker 12: well being, both cognitive and emotional into old age is
Speaker 12: that cognitive flexibility is really important. Being able to think
Speaker 12: something is true and then being able to find evidence
Speaker 12: that indicates it's not, being able to consider that evidence
Speaker 12: and maybe change your mind. This mental and cognitive flexibility
Speaker 12: is really important for emotional well being but also cognitive
Speaker 12: health as you enter later into life, and so being
Speaker 12: able to take a look at what you believed and
Speaker 12: what you might have changed your mind about and how
Speaker 12: cognitively flexible you were over the course of the year,
Speaker 12: and then also what those changes meant. So you may
Speaker 12: have thought A was true, you realize at that point
Speaker 12: A is not true for you. I mean, it may
Speaker 12: be factually true, but it doesn't work for you anymore.
Speaker 12: So you change your mind about it, And what does
Speaker 12: that do for you during the rest of the year,
Speaker 12: How does that impact your life?
Speaker 11: Going forward.
Speaker 12: So being able to take a look at that is
Speaker 12: really important.
Speaker 3: Okay, we're in the post truth world, though, and many
Speaker 3: more people would rather be right than finding the truth.
Speaker 12: Well, in that case, then this question may not appeal
Speaker 12: to them, but I.
Speaker 11: Look at it.
Speaker 12: I look at it at it as sort of you know,
Speaker 12: software updates for your brain. You know, you update your phones,
Speaker 12: you update your computer. Things that used to work didn't
Speaker 12: work anymore, lands that you tried. So, for example, I
Speaker 12: tried to scheduling tactic with some of my clients over
Speaker 12: the last couple of months of the year.
Speaker 11: Wasn't a huge hit. Not going to do it anymore.
Speaker 12: Thought it would be. Tried it, it wasn't. I'm not
Speaker 12: going to do it anymore. It doesn't have to.
Speaker 11: Be actual facts.
Speaker 12: It can just be I tried this, it didn't work,
Speaker 12: I changed my mind. I did something else. But how
Speaker 12: cognitively flexible are you?
Speaker 3: Okay? Good?
Speaker 5: Next up?
Speaker 11: What gave you energy?
Speaker 12: What we energy you?
Speaker 11: Whether it's physical energy from.
Speaker 12: Working out, sleeping more, and eating better, whether it's energy
Speaker 12: from being with different kinds of people, whether you started
Speaker 12: a new hobby or a new project.
Speaker 11: That really really got you juiced. What gave you energy.
Speaker 12: This year and take a look not only at the
Speaker 12: thing itself, but sort of a larger theme and see
Speaker 12: how you can incorporate more energy promoting things into your
Speaker 12: life going forward.
Speaker 11: So, if you did a.
Speaker 12: Home reno project for the first time and you found
Speaker 12: you really liked it, are there more things like that
Speaker 12: that you can do to create positive, generative, life affirming
Speaker 12: energy in your world? And what really got you turned
Speaker 12: on and got you juiced this year is another really
Speaker 12: good question.
Speaker 3: To ask, gotcha all right that? No, that makes a
Speaker 3: lot of sense and find that and then maximize that
Speaker 3: for the next year, obviously would be the suggestion there.
Speaker 12: Yes, maximize that for the next year. If being with
Speaker 12: certain types of people really work, do more of that?
Speaker 10: Right?
Speaker 8: Good?
Speaker 12: And then and then the flip of that is what
Speaker 12: drained your energy? What were the vampires? What sucked your
Speaker 12: energy this year? Was it people that you spent time
Speaker 12: with certain people? Was it activities or projects that you
Speaker 12: were involved in. Was it staying up too late if
Speaker 12: we're talking about physical well being, was it staying up
Speaker 12: too late? What really sucked your energy this year? And
Speaker 12: if you can take a look again at the overall
Speaker 12: themes of that, then you can try to minimize those
Speaker 12: and optimize for the things that at least or neutral,
Speaker 12: if not create energy in your life.
Speaker 3: Okay, yeah, it makes sense. You got a look at
Speaker 3: the it's yin and yang understandably, Julie Hatter's here the
Speaker 3: term boat anchor. We know a boat anchor is, but
Speaker 3: how does it apply to what we're talking about here.
Speaker 12: Well, for all of us, we have some things in
Speaker 12: our life that kind of hold us back. They don't
Speaker 12: necessarily prevent us from getting where we want to go,
Speaker 12: but they make it harder. So, you know, we have
Speaker 12: maybe an unsupportive spouse if we're trying to get healthier,
Speaker 12: or we have a boss who doesn't really seem to
Speaker 12: put our ideas forward. We have to work really hard
Speaker 12: to get anywhere with that person. Or we have some
Speaker 12: beliefs that seem to hold us back from doing our best,
Speaker 12: like women can't be successful, or I shouldn't make too
Speaker 12: much money or whatever.
Speaker 11: That can kind of hold us back.
Speaker 12: And so just taking a look at what those things
Speaker 12: might be that aren't necessarily preventing you from getting somewhere,
Speaker 12: but are making it harder.
Speaker 11: For you to get where you want to go. You
Speaker 11: have to work twice as hard to get half as far.
Speaker 11: Those are boat anchors, and just kind.
Speaker 12: Of understanding in your own life what those are and
Speaker 12: then minimizing, eliminating if you can, or figuring out how
Speaker 12: to work around them so that you can maximize your
Speaker 12: success and your potential and your happiness in the new
Speaker 12: year can be really impactful.
Speaker 11: We tend to look at the.
Speaker 12: Things that stop us, but we don't necessarily tend to
Speaker 12: look at the things that flow us down or make
Speaker 12: things harder than they ought to be.
Speaker 3: Yeah, because you're dragging that anchor, is what you're doing.
Speaker 3: But for many people, isn't that going to be your
Speaker 3: career or your job? And what does that mean?
Speaker 12: Well, it might be for sure. And one of the
Speaker 12: things that this life review can let you do is
Speaker 12: if you are in a career a job that you
Speaker 12: really don't like and that really is an energy suck
Speaker 12: for you, then you can take a look at maximizing
Speaker 12: the positives in other areas of your life to sort
Speaker 12: of balance out the negative of the work. I realize
Speaker 12: not everybody loves their work like I do, and so
Speaker 12: being able to maximize the positives the projects, the hobbies,
Speaker 12: the people. The activities, the habits that really build your
Speaker 12: energy and build the positivity in your life can work
Speaker 12: to offset some of the negativity around maybe your job,
Speaker 12: maybe a family situation that you can't get out of,
Speaker 12: maybe a health situation that you can't get out of.
Speaker 12: I mean, boat anchors can certainly be poor health. That
Speaker 12: doesn't prevent you something, but it just makes it harder.
Speaker 12: You're in pain or movement is hard. So maximizing the
Speaker 12: positive can help offset some of the negative or minimize
Speaker 12: the impact of some of the negatives.
Speaker 3: It's mental Health Money and the Scott's Loan Show on
Speaker 3: seven hundred WLW. She's July how to share local licensed
Speaker 3: mental health therapist and the Personal Annual Review, which very
Speaker 3: few people do, and it certainly is it has great appeal.
Speaker 3: I think you know you want to be a better
Speaker 3: version of yourself in twenty twenty six and you were
Speaker 3: twenty five. And there are seven things you should do
Speaker 3: if you do your own self analysis mental health analysis,
Speaker 3: one being what did I change my mind on this year?
Speaker 3: The second one is what created energy? Then what took
Speaker 3: my energy away? Number four is what are the boat
Speaker 3: anchors in my life? And that brings us to number five.
Speaker 12: Yeah, what could I not do because I was afraid?
Speaker 12: What did I want to do but I didn't do?
Speaker 12: Because I was afraid?
Speaker 11: For me? That would be skiing.
Speaker 12: Skiing terrifies me. I'd really like to I'd really like
Speaker 12: to learn, but I get so freaked out about that.
Speaker 12: There's no way I think I'll.
Speaker 3: Ever be able to scary about skiing.
Speaker 12: I can't stop, and stopping is a really important part.
Speaker 3: You can trust me, you can stop. It may not
Speaker 3: be pretty, but you can stop yourself.
Speaker 12: It may be a freaking yard sale when I stop,
Speaker 12: and I may take others down with me.
Speaker 11: It could be really ugly.
Speaker 3: I'm gonna take you ski and that you know what
Speaker 3: I'm gonna let's do that. We should make a play day.
Speaker 3: I'm gonna take you ski date.
Speaker 7: All right.
Speaker 3: You've never skied before.
Speaker 11: I have, and I'm really bad.
Speaker 7: At it, all right.
Speaker 3: I haven't scanned.
Speaker 12: You many times and I'm really bad.
Speaker 3: Okay, all right, we may have to do that and
Speaker 3: break your fear of that. So I'll go out to
Speaker 3: perfect North, all right. So what did I not do?
Speaker 3: Because of fear? And a lot of people have move
Speaker 3: There's some people that are extremely brave, they'll do anything.
Speaker 3: But man, you don't fear. It gets in your head
Speaker 3: and that's a huge problem.
Speaker 12: Yeah it is, and you know, you can take a
Speaker 12: look at it. I didn't do this thing becau as I
Speaker 12: was afraid. What would have been the upsides if I
Speaker 12: had done it? What would have been the downsides?
Speaker 11: Now that it's.
Speaker 12: Past and I'm looking at it in the rear view mirror,
Speaker 12: I can maybe take a more clear eyed look at
Speaker 12: it and recognize where the fear came from. And fear
Speaker 12: comes from being new at something, from not knowing how
Speaker 12: to do it, from being inexperienced. Very often, it doesn't
Speaker 12: come from being incompetent. It usually comes from being inexperienced
Speaker 12: and new, and the only way to get experience is
Speaker 12: to do things.
Speaker 11: So there's a really.
Speaker 12: Great book out there called Feel the Fear and Do
Speaker 12: It Anyway. I can't remember who wrote it, but it's
Speaker 12: a classic. It's been around for a long time, and
Speaker 12: it talks about how fear can actually motivate and energize
Speaker 12: you to do things if.
Speaker 11: You harness it correctly.
Speaker 12: But I think taking a look at our year and saying,
Speaker 12: what did I not do because I was afraid can
Speaker 12: set us up to be braver going into the new
Speaker 12: year and to really more clearly analyze the risks and benefits.
Speaker 3: Yeah, yeah, and that's true. The fear thing is true,
Speaker 3: especially the more of a competitor or someone who's a perfectionist,
Speaker 3: because that fear gets in your head and it'll prevent
Speaker 3: you from doing things in life that you enjoy. And
Speaker 3: that's a whole different matter.
Speaker 11: Yeah, it really can.
Speaker 3: Yeah. Yeah. Greatest hits and worst missus number six.
Speaker 11: Yeah, So I think it's important to take a look.
Speaker 12: At what went well, really well, and what didn't go
Speaker 12: so well and optimized for what did go well. We
Speaker 12: learn as much from analyzing what works as we do
Speaker 12: from analyzing what doesn't work, because sometimes we think it
Speaker 12: worked and we don't need to pay attention to it,
Speaker 12: but oftentimes the reasons why it worked, the ingredients for
Speaker 12: the hit are replicable if we understand what they are,
Speaker 12: so we tend to take apart the missus the things
Speaker 12: that didn't work and really analyze those deeply. It's also
Speaker 12: important to analyze what did go well and understand why,
Speaker 12: so you can do more of what works, which is
Speaker 12: a great, great tactic, and it's important to do a balance,
Speaker 12: not just look at the things that didn't go well,
Speaker 12: because the pessimist tends to do that. Optimists to look
Speaker 12: at what worked, but take a balanced view what worked
Speaker 12: and what didn't, and understand a little bit about why
Speaker 12: that is, so that going forward you can optimize for
Speaker 12: the positives and minimize the negatives.
Speaker 3: All right, So Albert Einstein famous you said, when you
Speaker 3: stop learning, you start dying, and that would be number seven.
Speaker 3: What did you learn this year?
Speaker 12: Yeah? What did you learn? What new thing did you learn?
Speaker 12: It might be something you changed your mind about, as
Speaker 12: in question one, it might be a whole new thing
Speaker 12: you learned. Did you learn to play piano? Did you
Speaker 12: learn that you like spicy food when you didn't think
Speaker 12: you did. Did you learn how to ski? Maybe that's
Speaker 12: me next year with you. But what did you learn
Speaker 12: this year? What new thing did you try? What were
Speaker 12: you willing to be a beginner at? What did you
Speaker 12: allow life to surprise you with? What did you learn
Speaker 12: this year? Because we really are creatures that are meant
Speaker 12: to grow and learn until the day we die, and
Speaker 12: oftentimes we get stuck in our bubbles of competence.
Speaker 11: We know how to do this.
Speaker 12: We know we like this, we know we like to
Speaker 12: go there, and we keep doing the same thing over
Speaker 12: and over. So did you expand your horizons in any way?
Speaker 12: Did you broaden your world and make it bigger and richer?
Speaker 11: In any way?
Speaker 12: Did you learn something new? And what was that and
Speaker 12: what impacts that have on you? And how can you
Speaker 12: maybe do more of that going into the future.
Speaker 3: Okay, makes sense. Julie Hatter Share a licensed mental health therapist.
Speaker 3: Your own personal annual review in your head? What did
Speaker 3: you change your mind on this year? What created energy?
Speaker 3: What drained your energy? What are the boat anchors in
Speaker 3: your life? The things slowing you down? What did you
Speaker 3: do because of fear or did not do because of fear?
Speaker 3: Greatest hits worth, missus, and what you learned this year.
Speaker 3: I'll kind of center around the same theme. But and
Speaker 3: if you do this, you have a greater direction of
Speaker 3: what twenty twenty six is going to look for you.
Speaker 3: I appreciate you so much and thanks for joining the
Speaker 3: show every Monday all this year, and I look forward
Speaker 3: to meeting up with you and maybe skiing in twenty
Speaker 3: twenty sixth.
Speaker 11: Joly, it sounds great. We'll talk soon.
Speaker 3: Take care Merry Christmas. Be well, my friend, let's do
Speaker 3: a news update and boor to follow here it's a
Speaker 3: Scott's Loan show on the home of the best Bengals coverage,
Speaker 3: Big Dub Yesterday, Big Dub's Baby seven hundred WW Cincinnati.
Speaker 3: Do you want to.
Speaker 1: Be an Americans?
Speaker 3: Got flowing seven hundred W A guest the leads the
Speaker 3: nation in spam and scam messaging. This guy, Ohio, congratulations
Speaker 3: and study just came out and said, we get more
Speaker 3: junk mail, more phishing emails, more fake texts or tolls
Speaker 3: we never went through and have to pay. It's incredible.
Speaker 3: I don't know why that is. We're gonna find out.
Speaker 3: His name is Brian Cross. Brian lives in the realm
Speaker 3: of SMS messaging and he is one of the guys
Speaker 3: who follows this stuff on a very very close basis.
Speaker 3: And I guess, Brian, I've always said this, first of all, welcome. Secondly,
Speaker 3: if we didn't respond to the spam and the scams,
Speaker 3: they wouldn't send us as much stuff. It's our fault
Speaker 3: because clearly there are people who love junk mail.
Speaker 4: You know, That's exactly it. There's there's always the complaint
Speaker 4: of junk mail in the mailbox, and you know, the
Speaker 4: response always the junk maan would go away if it
Speaker 4: didn't work. These marketers have budgets and they've got ROI
Speaker 4: numbers to hit, and if a tactic isn't working, they're
Speaker 4: the first to stop it. So these things keep coming
Speaker 4: because they make money.
Speaker 3: It's an interesting study though, too, because I'm trying to
Speaker 3: think ten thousand ads a day. Do you think that
Speaker 3: is six to ten thousand ads a day is with
Speaker 3: the typical person faces And you're like, I don't really
Speaker 3: see that many. Well, I guess if you included billboards
Speaker 3: and radio and television typical broadcast, but then factor in
Speaker 3: you know, email, product placement, text messaging, things like that,
Speaker 3: maybe you're getting close to that mark. But that seems
Speaker 3: softly high.
Speaker 4: Ten thousand seems very high. I've you know, I've heard
Speaker 4: that number in terms of pieces of information things that
Speaker 4: we see, but an actual advert something like that, that
Speaker 4: does seem a bit high.
Speaker 3: Well, there's no doubt about it. You know, most people
Speaker 3: don't like this. I guess it would be that one
Speaker 3: third of consumers in the service, if sixty six percent
Speaker 3: surveyed said they want fewer marketing messages. That means a
Speaker 3: third are fine with them out there getting or don't
Speaker 3: think they're getting enough, which is driving this whole problem.
Speaker 4: Yeah, I'd be curious to break that one down. I've
Speaker 4: none of those people are saying I need more.
Speaker 3: But well, somebody is responding or clicking on this. I
Speaker 3: mean that's the thing with social anyway. If you click,
Speaker 3: even accidentally on something, that algorithm is going to force
Speaker 3: more of that type of product to your device. And
Speaker 3: not only that, it's also going to show them, hey,
Speaker 3: we've got to click through here, So that encourages more
Speaker 3: of the bad behavior it does.
Speaker 4: It does, and marketers have this thing. There's many different
Speaker 4: ways called three sixty cults around, sound caught, whatever, but
Speaker 4: they're basically starting from a point where they say, hey,
Speaker 4: if you know, there's there's information that says the average
Speaker 4: consumer makes the buying decision after being touched at least
Speaker 4: seven to twelve times, and there I think with gen
Speaker 4: why now I think that jumps up to like twenty,
Speaker 4: So it means I got to talk to you, you
Speaker 4: have to see something from me at least seven or
Speaker 4: eight times before you even start thinking of buying my products.
Speaker 4: So the three sixty the surround sound. You know, you think, okay,
Speaker 4: I need to surround the consumer. I need to touch
Speaker 4: you with its you know, TV radio, out of home Internet,
Speaker 4: where do you go like text message there. That's that's
Speaker 4: why we're seeing all of this because you know it's
Speaker 4: sort of I guess exasperates it, right, It's it's okay,
Speaker 4: if Jen why is twenty hits? You know this is
Speaker 4: gen Z going to be thirty five hits. So if
Speaker 4: the science so that have to touch you that many times,
Speaker 4: that's probably going to increase the amount of advertising you
Speaker 4: see from every brand that is out there.
Speaker 3: Yeah, because in order to I guess overwhelm your senses
Speaker 3: to put that to the top of your feed, so
Speaker 3: to speak, you've got to hit people more with your
Speaker 3: message in order to get through it.
Speaker 4: You do. Now, that's that's one theory, right. So you
Speaker 4: know there's there's there's lots to talk to you know,
Speaker 4: disruption and differentiation and things like that. You know, I mean,
Speaker 4: every everybody, every marketing school as a slide where you
Speaker 4: see like, you know, all these advertising you know, usually
Speaker 4: like in Times Square or something like that, but I
Speaker 4: mean you see billboard over billboard over billboard over billboard
Speaker 4: and things like that, and you're taught, Okay, you have
Speaker 4: to differentiate from this. Well, everyone's differentiating with quantity. But
Speaker 4: one of the things that kind of has been going away.
Speaker 4: You think I would say quality, right, so you can
Speaker 4: combat quantity. You do quality well, generally quality is a
Speaker 4: subjective term, but basically you know some sort of creativity,
Speaker 4: some sort of risker reward. One of the other problems
Speaker 4: that we have in marketing is not just the number,
Speaker 4: the sheer number of it, but everyone's doing the same thing.
Speaker 4: They all blend together. The reason why it takes eighteen hits,
Speaker 4: twenty hits whatever to find somebody is because they all
Speaker 4: look the same. Everybody is afraid of losing their job.
Speaker 4: CMO have this what I think it's sounded like an
Speaker 4: eighteen month average tenure at their company. So everybody's following
Speaker 4: the data trends. Everybody's following, you know, the best practices.
Speaker 4: Everybody's playing it safe. Well, the thing is is if
Speaker 4: you go down to the base core of marketing, it
Speaker 4: is to differentiate. So if you look like your competitor
Speaker 4: and everyone's doing the same thing and doing what data
Speaker 4: tells you to do, or gosh. Now, whatever the aipot
Speaker 4: tells you to do, you look the same. You're not differentiating.
Speaker 4: Quite frankly, you're not doing your job. And I think
Speaker 4: that that's why the majority of all this marketing that
Speaker 4: you're seeing is useless, because it's terrible. It's not the
Speaker 4: right stuff.
Speaker 3: Yeah, it's retally interesting. I mean, you know, having some
Speaker 3: experience in this to Brian and not certainly your level,
Speaker 3: but you know you watch I don't know, streaming or
Speaker 3: a regular broadcast television, let's say, because you know I
Speaker 3: get the the visual. Two is you know every car
Speaker 3: ad looks the same. And I always joke about it,
Speaker 3: is I just listen. I just need this suv or
Speaker 3: this truck to get me through the potholes in Cincinnati.
Speaker 3: I'm not driving up a mountain. I'm not towing the
Speaker 3: Queen Mary, I'm not trying to pull I don't know,
Speaker 3: some sort of it looks like a giant steel cover
Speaker 3: over the top of a nuclear missile silo or something,
Speaker 3: all right, And no one is driving their truck like that.
Speaker 3: And you know there's a new one the rendering the
Speaker 3: super Bowl, the Jeep one where there's a charging station
Speaker 3: on top of a Mountain. Yeah, no one's doing that.
Speaker 3: So but that's to your point, right, is that somebody
Speaker 3: will come up with that idea and everyone will rush
Speaker 3: to copy. We've seen I think the diversity thing in
Speaker 3: TV and also broadcast too, right, is if you look
Speaker 3: at your typical ad now, they're really I think I
Speaker 3: think a lot of these says are more diverse than
Speaker 3: what the that's reflective of the general population. I know
Speaker 3: someone may take that in a Dilbert kind of wrong way,
Speaker 3: but that's what I'm saying is you just have this
Speaker 3: rush to imitate that going Okay, well we need a
Speaker 3: lot more diversity, or we need a lot more of
Speaker 3: these the same thing over and over and over, and
Speaker 3: you just beat the you just beat it to death.
Speaker 4: We're taught about authenticity, and we're taught about you know, hey,
Speaker 4: if if you really want to consumers to pay attention
Speaker 4: to advertising, it needs to provide value. And and a
Speaker 4: lot of people scratch their head and they're like, how
Speaker 4: does it. How does the advertise that provide value? And sure,
Speaker 4: you can do things like hey, here's a you know,
Speaker 4: here's a recipe for my you know, liquor brand or
Speaker 4: whatever that provides value, but you know what what struck
Speaker 4: me is is when you were talking about driving the
Speaker 4: potholes of Cincinnati, and I was thinking about you know,
Speaker 4: if you think about a pizza commercial, right, every pizza
Speaker 4: commercial is a slice of pizza being pulled away from
Speaker 4: the main pie with this long the cheese pull. So
Speaker 4: that that's what all these marketers are rushing to. But
Speaker 4: there was a key study and a few years ago
Speaker 4: where Dominoes basically went and and and and put these
Speaker 4: trucks out on the street. You know, obviously branded them
Speaker 4: Domino and it was Balos and they were going through
Speaker 4: and they were filling in the potholes of people's and
Speaker 4: people were like, what the heck is going on here?
Speaker 4: Then they had a cute little tie in about making
Speaker 4: it safer for the pizza if you live at you
Speaker 4: faster or whatnot. But they were filling potholes that the
Speaker 4: city wasn't. So you talk about providing value and breaking
Speaker 4: through clutter and having a bunch of people go, man,
Speaker 4: you know when you see Dominoes fixing that potle you
Speaker 4: hit every night coming over from work, you you go,
Speaker 4: oh that's different, and you remember it, well, it's.
Speaker 3: A new one. So speaking of Dominoes is the one
Speaker 3: that advertises that they're going to not an all electric,
Speaker 3: but they're converting a lot of their cars to electric now,
Speaker 3: and I'm not quite sure that trends. I get what
Speaker 3: they're doing, and that's trying to appeal to a younger,
Speaker 3: environmentally conscious consumer, but I don't know if that's the
Speaker 3: right play.
Speaker 4: You know.
Speaker 3: What I'm saying is like, Okay, well, I just want
Speaker 3: my pizza to get their hot and fresh. You know,
Speaker 3: I'm assuming that some drivers are electric and some aren't.
Speaker 3: But well, why is this why is this part of
Speaker 3: a national marketing campign?
Speaker 4: Yeah exactly. So, yeah, no, the you're trying to hear
Speaker 4: all the things, so that one obviously would be, hey,
Speaker 4: let's show that we're you know, conscious mean corporation destroying
Speaker 4: the plan.
Speaker 1: Right.
Speaker 3: So Brian crossing the show. He's a marketing expert with
Speaker 3: Elasticity his name of his agency, and we're talking about
Speaker 3: a new study coming out two thirds of consumers want
Speaker 3: fewer marketing messages. Well know, duh, we're just we're inundated
Speaker 3: all the time, and it's working because there's a percentage
Speaker 3: that that will click and go through and actually use
Speaker 3: the product or service, and that'll drive more of this
Speaker 3: stuff too. And you know the one I thought would
Speaker 3: die by now, and I just thought this morning, the
Speaker 3: free newspaper. I live in suburbia, proud suburbanite, where once
Speaker 3: a week someone will drive through and throw a I
Speaker 3: don't know, some newspaper thin It's just like a big
Speaker 3: ad section in my driveway and a bag plastic bag,
Speaker 3: which I then promptly pick up and throw on my recycling.
Speaker 3: And I do this exercise every week. I'm surprised that's
Speaker 3: still around.
Speaker 4: You know. It's it's the exact same thing as the
Speaker 4: direct mail. There is a lot, you know. One of
Speaker 4: the things that we do when we bring you know,
Speaker 4: you know, new teammates on, you know, the younger employees
Speaker 4: right out of college and whatnot, we take them and
Speaker 4: sit them in focus groups. And what's interesting is is
Speaker 4: they go through school and and even you know, early
Speaker 4: two three, four years in the industry, they come out
Speaker 4: in this bubble thinking everybody does what they do, that's
Speaker 4: that the entire country is like them. And they stick
Speaker 4: them in in a focus group and they just scratch
Speaker 4: their head. They're like what, and we're like, yeah, these
Speaker 4: are the people you're marketing to this is this is
Speaker 4: what you need to think of. Like not everybody went
Speaker 4: to designed school and thinks exactly like, so no for
Speaker 4: for everyone. And I do the exact same thing, right,
Speaker 4: I take it, I lean over, I pick it up,
Speaker 4: I put it right into that trash can. But again,
Speaker 4: it's the same thing these newspapers. You know, it takes
Speaker 4: money for them to you know, write it, print it,
Speaker 4: produce it, stick it in the wrappers, stick it on
Speaker 4: a van, have that van drive around at four a m.
Speaker 4: Throw it around. That all takes money. And I mean
Speaker 4: they're not doing that just to burn money. They're doing
Speaker 4: it because the advertising and the things that paper made
Speaker 4: for all of that to happen. So there are enough
Speaker 4: people that don't throw it away, that do pick it up,
Speaker 4: that love it, and they're like, I want the local news.
Speaker 4: This is way better than what I get on the
Speaker 4: national CNN, Like I need to know.
Speaker 3: Yeah, this is a bad of ads, a bag of ads.
Speaker 3: It's not even like a paper, Yeah, it's just ads.
Speaker 3: I'm like, well, now I'm going to kick it out
Speaker 3: of the plastic wrap, and somebody's looking, and of course
Speaker 3: the ones in your mailbox, and I've got a I
Speaker 3: think it's a gutter or windows or something. Every week
Speaker 3: they send me something, I'm like, wow, that is an
Speaker 3: incredible a lout of money in markup that you have
Speaker 3: to add to the cost of your product in order
Speaker 3: to send me these unwanted messages. And it's a lot
Speaker 3: easier to just bombard people with the email. And that's
Speaker 3: the new frontier, right Brian. And maybe not that new,
Speaker 3: but texting now I get probably three or four day now,
Speaker 3: and I'm guessing that number is going to grow in
Speaker 3: the near future.
Speaker 4: It will until the numbers change. So again everything is
Speaker 4: when I talk about data driven, some of the data
Speaker 4: is good. So you know, we now know that hey
Speaker 4: if I it out through email, if if five percent
Speaker 4: opened my email, then man, I did good. Ninety percent
Speaker 4: of people with with phones they can't have an unread
Speaker 4: text message like like like if they get a text message,
Speaker 4: they have to read it. It's just it's behavior, whereas
Speaker 4: people are used to having these big, full fat you know,
Speaker 4: email and sys of unread things. So if you if
Speaker 4: someone comes and says, hey, if I send a text message,
Speaker 4: I have a ninety percent chance of them opening it. Well,
Speaker 4: I'm going to use the text message channel until that
Speaker 4: that that stat changes and that stack comes back to hey,
Speaker 4: most text messages are you know, getting bound, getting blocked,
Speaker 4: aren't being read. Then they'll start changing their tactics. So yeah,
Speaker 4: that number will go up as long as the stats
Speaker 4: are people read them.
Speaker 3: Yeah, your little balloon pops up says you know, one, two, three,
Speaker 3: or four messages and you click on it like other ads,
Speaker 3: but you click on it to get rid of that.
Speaker 3: Then the alert that tells you how many there are.
Speaker 3: I think the phone companies are going to start figuring
Speaker 3: that out pretty soon is a way to work around that.
Speaker 3: And then in addition, and we have the eight hundred
Speaker 3: pound gorilla, which is always and has been now the
Speaker 3: automated robo calls.
Speaker 4: Right, yeah, uh, there there's a there's an article. I
Speaker 4: wish I would have researched this, and I know where
Speaker 4: to go this way, but I was one of my
Speaker 4: favorite articles I've read, and I'd say the last moth
Speaker 4: was a guy there was They were interviewing a man
Speaker 4: who you know, because robo calls are illegal now and
Speaker 4: with fines of up to I think some of my
Speaker 4: fifty thousand per you know instance or something. He's he's
Speaker 4: made a side business of using that that that law
Speaker 4: because these robo calls is aren't following the law. So
Speaker 4: you know he's talking about you know, it's a job
Speaker 4: like it takes persistence and running papers and knowing the process,
Speaker 4: all these things. But apparently this guy makes like something
Speaker 4: like twenty twenty five thousand dollars a month in following
Speaker 4: up in charging the robo calls that are breaking the laws.
Speaker 3: Yeah, we all want to figure out a way to
Speaker 3: streamline that. I get that people continue. I think lonely people.
Speaker 3: We just want to talk to somebody when the telemarketers call,
Speaker 3: which is a sad indictment of our society, but it
Speaker 3: kind of ruins for the rest of us. So that's
Speaker 3: a getting texted and inundated with all these things. And
Speaker 3: then finally too, I look at this and go at
Speaker 3: some point, you know, all these cold and personal marketing
Speaker 3: messages you get get deleted. They're gonna have to fine
Speaker 3: tune that, aren't they. I mean, you mentioned the onset
Speaker 3: of this thing, Brian, that it's it's the different stuff
Speaker 3: that cuts through the clutter. Be a difference maker, make
Speaker 3: a change and don't do the same old, same hold
Speaker 3: but a lot of these are the same old, samehold
Speaker 3: that are getting I don't know, I guess marginal results.
Speaker 4: So it'll continue, it will and and that's the fine
Speaker 4: line though, right you said the cold and in personal
Speaker 4: conversation are the marketing message. Well, if you slip over
Speaker 4: the other side, you know, you know, marketing has the
Speaker 4: data and the ability to you know, say, hey, Scott,
Speaker 4: saw you just bought a glass of red wine at
Speaker 4: dinner last night. Hey, we were selling bread wine. And
Speaker 4: on that line, you have that that creepy like whoa
Speaker 4: wait a second, how do you know my name and
Speaker 4: what I bought what not. You're always trying to kind
Speaker 4: of thread that needle of how do I make it
Speaker 4: important to you and personalize to you? So that's not cold,
Speaker 4: but not like hey, creepy, you were tracking you a
Speaker 4: big brother kind of thing. So it's definitely a fine
Speaker 4: line to walk there.
Speaker 3: He is Brian Cross on the Scott Sloan Show this morning.
Speaker 3: Text marketing expert or communication expert. I guess the stuff
Speaker 3: that annoys you, Brian, with the news that Ohio leads
Speaker 3: the country when it comes to spam scam communications. I
Speaker 3: don't know why we're getting hit, maybe because so many
Speaker 3: Ohioans apparently like getting that kind of stuff and react
Speaker 3: to it all the best. Thanks again for joining the show.
Speaker 4: Well, I appreciate you having me. Thank you Mary.
Speaker 3: Christmas buddy, have a great holiday. Got to get to
Speaker 3: a news update, traffic, weather, all that and what lies
Speaker 3: ahead is Christmas here twenty twenty five. Hopefully I have
Speaker 3: some good time to sit down and relax and enjoy
Speaker 3: your holiday. Scott's Loan Show seven hundred w WELW Money Money,
Speaker 3: Scott's Sloan Show on seven hundred WLW. Not too many
Speaker 3: more of these left and the show. But Bengals football.
Speaker 3: Following last week's shutout embarrassment by Baltimore, the Bengals end
Speaker 3: a two games stead. They're up to what five and
Speaker 3: ten now, of course out of the playoffs. The team
Speaker 3: is healthy, they look dominant. They look pretty good for
Speaker 3: most of this game. James Rapeat is here with Bengals
Speaker 3: Talk dot Com and the Sports Illustrative of course and
Speaker 3: Lockdown Bengals Podcast. James, welcome, How are you. I'm doing well.
Speaker 3: I'm doing well. They look pretty good yesterday. As I
Speaker 3: said healthy. You know when they're healthy when you get
Speaker 3: tea and you get Jami Joe together, magic things happen.
Speaker 3: And if you looked at that, certainly you could always
Speaker 3: do the what if game? Uh, you know, if they
Speaker 3: stayed healthy this season? What now? Okay, Well that that
Speaker 3: didn't happen obviously, although I look at this and go,
Speaker 3: I've seen this movie before in previous lives, James and
Speaker 3: you have as well. In that the Bengals going they
Speaker 3: beat Baltimore and then they went out, let's say, their
Speaker 3: last two games, and now we're in a you know,
Speaker 3: we're on a three game heater right now.
Speaker 5: Great.
Speaker 3: What scares me about that is front office looks at
Speaker 3: it and goes, We're fine, everything's good. We've done that before.
Speaker 3: We've done that in previous seasons. Why would this time
Speaker 3: be different.
Speaker 7: I don't know that it is. And you're right, that's
Speaker 7: the scary part because what they may say is, oh,
Speaker 7: we're born too with healthy Joe, and we've found a
Speaker 7: way to build the momentum, and that momentum can carry
Speaker 7: into the offseason, which is completely fallow now. I think
Speaker 7: specific players can build momentum for themselves. Teams don't carry
Speaker 7: momentum to it from one year to another. It's not
Speaker 7: how it works. And so yeah, I think that is
Speaker 7: the major concern in the thought yesterday as we're starting
Speaker 7: to wrap the Dolphins and then you see the schedule
Speaker 7: and it's the Cardinals and the Browns who are both
Speaker 7: really bad and theoretically you should beat.
Speaker 3: Well, theoretically you should be able to be able to
Speaker 3: beat them. But again, let's just say they do. What
Speaker 3: changes then in the mind.
Speaker 7: Of the Blackburn I don't know if there's let's start big,
Speaker 7: big picture. I don't think Duke Tobin and Zach Taylor,
Speaker 7: I don't think that that is happening. And you go
Speaker 7: beyond that. Al Golden, the defensive coordinator. Yeah, his first
Speaker 7: year and they've had an up and down year, but
Speaker 7: that Zach Taylor Scott and I know he believes in
Speaker 7: now and so for keeping Zach, I always thought you're
Speaker 7: keeping up, and so I don't think that they're going
Speaker 7: to let out go. And so then what change do
Speaker 7: you want, like what major changes? You know, maybe you're saying,
Speaker 7: all right, you want them to add more scouts, which
Speaker 7: sounds great to me, or you want them to do
Speaker 7: organizational structural changes like that, and maybe some of that
Speaker 7: could happen. But from a coaching staff standpoint or a
Speaker 7: Duke Tobin standpoint, which those are the two areas that
Speaker 7: fans are frustrated with and calling for change. I just
Speaker 7: don't think you're going to see it, because you're right.
Speaker 7: I think they have a good shot to win these
Speaker 7: next two games, and even if they split that, I
Speaker 7: don't think Zach Taylor was necessarily in danger.
Speaker 3: I don't see that either, simply because they don't like
Speaker 3: to pay someone for not playing for them or not
Speaker 3: working for them mean part of the organization. They're extremely
Speaker 3: loyal to a fault, and I contend you knowose people.
Speaker 3: There's billboards up fire, Duke fire Zach. Okay, great, you
Speaker 3: could bring in I don't know. You could bring Bill
Speaker 3: Belichick in, You could bring Bill Cower in, You could
Speaker 3: bring in George Hallis. You can bring in Hall of
Speaker 3: Fame coaches if you want to. But the problem, to
Speaker 3: me and I think most fans, it's above them. It
Speaker 3: doesn't matter the coaching, it's the front office. And yeah,
Speaker 3: you've added more pieces to your scouting staff. Still, the
Speaker 3: smalle Cy NFL, they tend to be a pound foolish
Speaker 3: penny wise. But unless that attitude changes, it really doesn't
Speaker 3: matter who the coach and GM are. I mean, could
Speaker 3: Duke Tobin do his job if he had more tools?
Speaker 3: He says no. But like Zach being the spokesperson for
Speaker 3: the entire organization, if it continues to be that way,
Speaker 3: it doesn't really matter who you bring in. Am I right?
Speaker 7: I think to a degree, yeah, I think to a degree.
Speaker 7: It's at the same time I do things that certain
Speaker 7: things could change and matter, And the identity of the
Speaker 7: team and the players is as much as you put
Speaker 7: it on ownership, it certainly would be the head coach
Speaker 7: and you take the identity, and I think Zach would say, hey,
Speaker 7: we know what we need to do to get back
Speaker 7: to where we need to go. And I don't think
Speaker 7: they feel like that they're internally that they're super far
Speaker 7: off from doing that. Obviously part of that is Joe's health.
Speaker 7: But what I would say is you need to be
Speaker 7: able to find a way where Joe Burrow misses nine
Speaker 7: teams that the season doesn't just go completely down the drains. Yeah,
Speaker 7: And they would push back and say, well, that's our
Speaker 7: franchise quarterback, and it's really hard to win without your
Speaker 7: franchise quarter Fine, I am not saying it's not hard
Speaker 7: hard to win a super Bowl too, but that's the standard.
Speaker 7: And so yeah, I think the entire organization should be
Speaker 7: looking at itself right now because Joe Burrow had missed
Speaker 7: the playoffs for three straight years and that should be
Speaker 7: damn near impossible, and yet they pulled that off. And yeah,
Speaker 7: twenty twenty three was the one that I'll give them
Speaker 7: them all against for, but this year I don't, and
Speaker 7: certainly last year whinjo without the.
Speaker 3: Yeah it's a down or trae director, you know, the
Speaker 3: AFC Championship appearance of Super Bowl appearance wre awhile pass
Speaker 3: that after three seasons something monument has to change. Nonetheless,
Speaker 3: let's not overshadow we win yesterday against a division rival
Speaker 3: in the Baltimore Ravens or Baltimore is Baltimore the week
Speaker 3: before they got got destroyed by them and ending the
Speaker 3: two game skit obviously five and ten. Now for the Bengals,
Speaker 3: Dolphins are a terrible team. Two it gets benched in
Speaker 3: favor of a rookie. Bengals had a at third quarter
Speaker 3: was unbelievable. Three takeaways a fourth down stop in the
Speaker 3: third quarter set up the offense for the forty five
Speaker 3: to twenty one win Ki, And you know, I watch
Speaker 3: that game and I went, well, that was kind of
Speaker 3: an unremarkable first half. I mean, Bengals on the first
Speaker 3: drive in Miami with a fumble caused by Battle and
Speaker 3: Miles Murphy scoops the ball up. Barrett Carter in her
Speaker 3: have some of the Dolphins next drive. Dolphins had a
Speaker 3: lot of big plays in the first and somewhat in
Speaker 3: the second half against the Bengals.
Speaker 7: Yeah, and they did, and it did feel like at
Speaker 7: one point it was going to be a shootout. And
Speaker 7: the Bengals go down, they score and take a lead,
Speaker 7: and then Devin Chan has his huge run where Geno
Speaker 7: Stone and you mentioned we only have a few games
Speaker 7: left of this, we better have only a few games.
Speaker 7: I think the I mean he's right in front of
Speaker 7: Devin Chan and he doesn't even get a finger on no,
Speaker 7: I don't think, goes off and scores a really long
Speaker 7: touchdown and you're like, all right, well, this is going
Speaker 7: to be a shootout. And obviously the Dolphins took the
Speaker 7: lead later in the half, but this this defense, they
Speaker 7: were opportunistic and they force the fumble and then they
Speaker 7: bat the ball up and it gets intercepted. And that's
Speaker 7: usually what happens when you're facing a rookie quarterback, a
Speaker 7: late round rookie quarterback making its first start, is you
Speaker 7: can force a couple of turn on. So that's a
Speaker 7: game they should have won. When you have Joe Burrow
Speaker 7: and you have Jamar and t and you have your
Speaker 7: fallout and the weapons and a defense that has shown
Speaker 7: as bad as they've been this year, they've shown that
Speaker 7: they can force turnovers in tee times and they did that.
Speaker 7: I mean, it was a crazy third quarter where the
Speaker 7: game just completely gets away from Miami. Yeah.
Speaker 3: I've never seen a melt down well, I mean Bengals
Speaker 3: opponent melt down lock that. Bengals have had plenty of
Speaker 3: that these days. And for sure, oh my god, it's
Speaker 3: good to say another the other team, the opponent actually
Speaker 3: had that. App James Rapeen from Bengals Talk dot Com
Speaker 3: and Lockdown Bengals podcast, chopping up the win yesterday, get
Speaker 3: right game for the Bengals. Certainly it looked on weak spots.
Speaker 3: You mentioned Genostone. He and all intensive purpose should not
Speaker 3: be in the league now. He shouldn't be on the
Speaker 3: team next season. If you're to restructure that defense next year.
Speaker 3: Who stays? Who do you like? DJ Turner? Obviously, Miles
Speaker 3: Murphy has surprisingly turned his game around. Shamar Stewart. I
Speaker 3: think the sample size is a rookie is just too small.
Speaker 3: With the injuries and the holdout and all the other stuff.
Speaker 3: You got to give them a little bit of time.
Speaker 3: But other than that, can you think of people who
Speaker 3: would be necessary and vital to building around on the
Speaker 3: defense for twenty twenty six?
Speaker 7: Oh it's tough, Like right.
Speaker 4: I'll just go to it.
Speaker 7: It's such a short list because I think that they're
Speaker 7: going to build around their young linebackers. But I'm not
Speaker 7: sure those guys are going to start next year. I
Speaker 7: just think they have three years left on their deal.
Speaker 7: Miles Murphy, I think has become a building block piece,
Speaker 7: But that doesn't mean you don't need another edge rusher
Speaker 7: like you still do, right, And that's what's really tough
Speaker 7: here is outside of Corner, And I feel pretty good
Speaker 7: about Corner. I think Dax Zille and DJ Turner, he
Speaker 7: saw Jalen Davis, Benball, but Dak Vielle and DJ Corner
Speaker 7: DJ Turner, I think those are two real building blocks.
Speaker 7: Jordan Battle I think he can start for you in
Speaker 7: his final year of his rookie rookie deal. Gino Stone
Speaker 7: has played his way out of Cincinnati. I would not
Speaker 7: I wouldn't have him play on Sunday this week, to
Speaker 7: be honest with you, I would try to get a
Speaker 7: look at some of these young defensive linemen. Obviously, he
Speaker 7: tells Famar Stewart out there, you need to get him
Speaker 7: as many looks as you can, m Kimley Jackson, as
Speaker 7: many looks as you can, just to see if there's
Speaker 7: anything there. But you're talking about all three levels. You're
Speaker 7: going to need to invest in your defensive line room
Speaker 7: and tactical linebacker and safety. And you still can use
Speaker 7: another corner, There's no doubt about it. So there's a
Speaker 7: lot of work to be done in my mind, specifically
Speaker 7: in free agency where you go get proven talent that
Speaker 7: can fill some of those needs.
Speaker 3: Yeah, and they did have a quarter for sure. I
Speaker 3: mean at halftime, I'm watching them interview Zach Taylor for
Speaker 3: the three questions he gets, and one of is he
Speaker 3: responded saying, you know, if we could win the turnover
Speaker 3: battle and sure enough to go out and get four
Speaker 3: just in the third quarter, alone. That was absolutely remarkable.
Speaker 3: Talk about calling your shot on the other side of
Speaker 3: the ball. Though offensively, Joe Burrow had the worst performance
Speaker 3: of his career last week against Baltimore. This week twenty
Speaker 3: five or thirty two, three hundred nine yards, four tds.
Speaker 3: He has surpassed twenty thousand career passing yards and one
Speaker 3: hundred and fifty touchdown passes. And they pulled him after
Speaker 3: Cincinnati was up by thirty one. That's a great comeback
Speaker 3: game for QB one.
Speaker 7: Yeah, it is, it is, and he's that's what you expect.
Speaker 7: Like I went and I was thinking about it going
Speaker 7: into the game, and certainly when I was driving to
Speaker 7: the game, and I'm like, man, I think Joe's just
Speaker 7: gonna play really well to it. Yeah, Like it's it's
Speaker 7: study out, it's Miami, and it kind of resets you.
Speaker 7: And he's playing against the team that he should be
Speaker 7: able to dispect and bounce back against, and he did that. Now,
Speaker 7: he was aided by some short fields, but you look
Speaker 7: at it as one forty six and a half quarterback
Speaker 7: graating passer rating is the second best of his career,
Speaker 7: and the four touchdowns, it just seemed like he got
Speaker 7: whatever he needed to, and early on it was t Higgins,
Speaker 7: and then it evolved into Jamar Chase, and then it
Speaker 7: was Chase Brown and andre Yosabash made a big play,
Speaker 7: and Drew Sample made some big plays, and then it
Speaker 7: was Nike get sticky with the touchdown and he just
Speaker 7: was able to spread the ball out. And so I
Speaker 7: the one takeaway I had from yesterday from a Joe
Speaker 7: Burrow perspective is it was just, at least for me,
Speaker 7: if I was in the organization, it would just remind
Speaker 7: you how close you can be when you have a
Speaker 7: franchise quarterback and all star quarterback like that, and how
Speaker 7: desperate and bad you look when you don't. Yeah, And
Speaker 7: so to me it should remind them that they need
Speaker 7: to be very aggressive this offseason. But you know, I'm
Speaker 7: not damn and they're not me, right exactly exactly.
Speaker 3: Chase Brown twelve carries, sixty six yards then and a touchdown.
Speaker 3: By the way, as a receiver, just four catches forty
Speaker 3: three and two touchdowns. That was a huge performance by
Speaker 3: the feature back. What three of those scores came in
Speaker 3: just over I think seven minutes of game time. Those
Speaker 3: of us rushing and receiving scores and you see that,
Speaker 3: you go, wow, why can't we have that nice thing
Speaker 3: all the time? And then you know, next two games
Speaker 3: maybe he rushes for inal fifty yards. I just I
Speaker 3: can't figure it out.
Speaker 7: Yeah, it's it is tough. I'll say this. I think
Speaker 7: the past two weeks, the Buffalo game, I felt like
Speaker 7: it was all snow and that was the issue. Last week,
Speaker 7: the offense was just so bad it was hard for
Speaker 7: me to put it on Chase. But he definitely has
Speaker 7: shown the series well over the twel hundred yards from
Speaker 7: scrimmage that last year and at the end of last season,
Speaker 7: wasn't a fluke. I mean the juke he put on
Speaker 7: that Dolphins defender in the third quarter when it's seventeen
Speaker 7: fourteen after catching the ball out of the backfield and
Speaker 7: I use number twenty. I forget exactly what which Dolphin's
Speaker 7: depender was, but to score the touchdown like that's special,
Speaker 7: Like that's that's a really high level play. And we've
Speaker 7: seen that where he just continues to rack u one
Speaker 7: hundred plus yards from scrim to China from I do
Speaker 7: think he's a building block and it's gonna be interesting
Speaker 7: because he's going into a sports season and end of
Speaker 7: his rookie contract next year? Is that a guy they
Speaker 7: tried to get ahead of with a team friendly deal.
Speaker 7: Do they draft a running back instead? I know everyone's
Speaker 7: focused on the defense. They're gonna have to spend some
Speaker 7: draft butts on offense to either start building the replacements
Speaker 7: Andre Joselvashkaian last year, next season, you know, like they
Speaker 7: start to do that now, and and so I do
Speaker 7: wonder what they'll do with a guy like Chase Brown
Speaker 7: has clearly been productive.
Speaker 3: Yeah, James Rapine, We've got two games up, both home games,
Speaker 3: so the road trips are over way to end in Miami.
Speaker 3: Well of the sunshine. It's nice and maybe that was
Speaker 3: the happy juice that Joe Borroniti. You see some fight
Speaker 3: him and d to quit tripping and just focus on
Speaker 3: the game. Home games against Arizona, they're fighting for a spot. Cleveland,
Speaker 3: of course, is out of it, and there are many
Speaker 3: in Cincinnati, and I think some people, even in the
Speaker 3: media and influencers, that think the Bengals should tank it
Speaker 3: in order to get a better draft. I don't think
Speaker 3: football's ever worked that way, nor should it work that way.
Speaker 3: And not only that, even if you did and the
Speaker 3: lost three instead of one three. What does that move
Speaker 3: you up a couple spots.
Speaker 7: Yeah, if they lost yesterday, the eighth instead of ninth. Late. Now,
Speaker 7: if they win the next two, there's a decent chance
Speaker 7: that they they dropped to the twelfth, the fourteenth pick
Speaker 7: like in that range. I think is realistic to expect.
Speaker 7: I did it. I do. I think it's It's really
Speaker 7: tough because you want to see Joe Burrow play football,
Speaker 7: and if he plays like he did yesterday, then that
Speaker 7: you live with it. But at the same time, they
Speaker 7: do need talent, man, and the earlier you pick, it's
Speaker 7: not just the first round. The earlier you pick in
Speaker 7: the first round, the earlier you pick in the second
Speaker 7: fourth different And so that is I'm not telling fans
Speaker 7: that they need to worry about that or should worry
Speaker 7: about that, because that's not their job. That is my job.
Speaker 7: So I do think about it. The good news is
Speaker 7: is their draft position was completely unchanged. They went into
Speaker 7: yesterday picking ninth, they're still picking ninth. I think if
Speaker 7: they win the final two, they'll be in the uh
Speaker 7: the low double digit, somewhere in the ten to fourteen.
Speaker 3: RAS gotcham uh James rapine. Let's catch up off this
Speaker 3: week obviously, but double catch up and do a post
Speaker 3: mortem on the season. What do you say after that
Speaker 3: Cleveland home game? Yeah, but it's it's over. It's over.
Speaker 3: There is no postseason. Hey, Merry Christmas, buddy, enjoy your time.
Speaker 7: Off, Mary Christmas. Time off.
Speaker 3: You got time off? Come on, you show up, you
Speaker 3: watch a football game, you write a couple of words,
Speaker 3: that's like four hours. That's like seven hours of work coming.
Speaker 7: I'm off.
Speaker 3: There's no time YouTube, buddy, Thanks again, I appreciate you.
Speaker 3: Merry Christmas. James repeat, talk about just just diminishing what
Speaker 3: he does for a living. Got to get to news
Speaker 3: and Willie on the way. Scott Sloan Hope the Best
Speaker 3: Bengals covered seven hundred w ol thebody since now